Guidelines for a Seamless Loan Approval
To help avoid delays with your loan approval, below is a list of tips that will help you avoid the more common pitfalls during the loan process.
Do's
-
Stay in touch: Keep an eye on your email and voicemail and respond when you can to keep things moving smoothly.
-
Keep paperwork nearby: Hang on to financial documents and new paystubs as they come in.
-
Expect a few extra requests: Lending rules have changed, so we may ask for more documentation than you expect—but there’s always a reason.
-
Share changes right away: Let us know if your income changes, you receive a collection notice, or anything unexpected comes up.
-
Save your statements: Keep complete bank statements (yes, even blank pages!) and note any non-payroll deposits.
-
Planning on gift funds? Tell us early—gift funds just need a signed gift letter and proof of where the funds came from.
-
Keep housing on track: If you’re renting, continue paying rent on time and save proof of payment.
-
Getting ready to move? If you’re selling or renting out a home, we’ll help you know what documents to have ready.
-
Protect your credit: Keep making payments on time—your credit is checked through closing.
-
Travel plans? Let us know if you’ll be out of town around closing day.
-
We’re here for you: Questions pop up—just give us a call. We’re happy to help!
Don'ts
-
Don’t hesitate to ask questions — we’re here to help, even if you’re just getting started.
-
Don’t take on new debt or make big purchases during the process.
-
Don’t open, close, or move credit accounts without checking with us first.
-
Don’t pay off collections or charge-offs unless we advise you to do so.
-
Don’t start new loans, leases, or co-sign for anyone.
-
Don’t allow new credit checks until after your loan closes.
-
Don’t change banks or open/close accounts during the loan process.
-
Don’t make large or undocumented deposits — avoid cash and keep records handy.
-
Don’t delay selling investments if you’ll need those funds for closing.
-
Don’t change jobs or income status without letting us know first.
Always on time as agreed
New Orleans, LA, 04/18/2026
William worked through several challenges and roadblocks to ensure I was able to complete my refinance.
Tomball, TX, 04/18/2026
Amie was amazing! Truly makes this whole process more under especially for first time homebuyers!
Columbia, TN, 04/18/2026
Couldn’t be happier with Alex and his team at InterLinc! Everything went smoothly and Alex made sure I got the best deal that I could qualify for!!!!!
Harvey, LA, 04/17/2026
Alex helped me with first time home buying and was very thorough with everything highly recommend !
04/17/2026
