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
Check your email and voicemail for regular updates from our team, and respond quickly to our requests for information to avoid delays in the process.
Keep your financial records close at hand in case updates are requested.
Understand that things have changed. Underwriters require more documentation than in the past. Even if requests seem silly, intrusive or unnecessary, please remember that if they didn't need it, they wouldn't ask.
Hold onto new paystubs as received. Be aware that underwriters typically verify your income and tax documents through your employer(s) and/or IRS tax transcripts.
Let us know immediately if your income changes in any way.
Let us know immediately if you have been laid off as this may affect your loan approval.
Continue saving incoming account statements. Keep all numbered pages of each statement, even if a page is blank
Provide documentation for any non-payroll deposits.
Let us know if you plan to receive gift funds for your closing. If you're receiving any gift money from relatives, they'll need to sign a gift letter and an account statement evidencing the source, which must be "seasoned" funds.
If you're renting, continue paying your rent on time and save proof of payment.
If you're selling your current residence, be prepared to show your Final Closing Disclosure (Final CD).
If you'll be renting your home, be prepared to show sufficient equity, a lease and receipt of the first month’s rent and security deposit.
Keep your credit shining by continuing to make payments on-time. Your credit is monitored throughout the process, and any negative change to your score could cause you to lose your approval.
Notify us immediately if you receive a collection letter in the mail.
Let us know if you will be out of town for your closing.
Call us -- we are here to help you throughout the process!
Dont's
Don't ever be afraid to ask questions. If you're uncertain about what you need or what you should do, our team is here to help you through the process, even long before you intend to buy.
Don't increase your debt or make any major purchases on credit.
Don't make any major purchases (furniture, car, boat, jewelry) during the process.
Don't apply for any new credit, transfer card balances or close any credit card accounts. Changes in credit can cause delays, change the terms of your financing or even prevent closing. If you must open a new account (or even borrow against retirement funds), please consult with our team first.
Don't payoff any charge offs or collections unless instructed by us prior to your closing.
Don't take out any new loan or lease.
Don't let anyone pull or check your credit until after your close on your mortgage. Credit inquiries are monitored and will require explanation.
Don't co-sign for anyone.
Don't change banks, or open/close any bank accounts.
Don't make any unusual or undocumented bank deposits, or transfer unexplainable monies from accounts (payroll deposits are explainable). Primarily large but sometimes even small deposits must be sourced unless they are identified. Make copies of checks and deposit slips. Keep your deposits separate and small. Avoid depositing cash and will not be considered available funds.
Don't wait to liquidate funds from stock or retirement accounts. If you need to sell investments, do it now and document the transaction. Don't take the risk that the market could move against you leaving you short of funds to close.
Don't change employers or your employment status during the process without notifying us. Probationary periods, career or even status changes (such as from a salaried to a commissioned position, leave of absence or new bonus structure) can be subject to very strict rules. Our Underwriters will verbally verify your employment on the day of closing.
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Jennifer G
Conroe - TX
Posted on April 30th, 2025 12:12 PM
5.0
for
David Rodriguez
David and his team are incredible!! Thank you for all that y'all do for our clients!!
S
Saul S L V
Rosharon - TX
Posted on April 29th, 2025 02:39 PM
5.0
for
David Rodriguez
Estamos super agradecidos con todo el equipo. David, Ana, Elizabeth , Marlein y mas personas que no e mensionado , por todo su esfuerzo y trabajo Dios nos puso en el camino a las personas correctas en estra travesia, hicieron que todo el proceso fuera...
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Reply from
David Rodriguez
May 3rd, 2025 02:56 PM
Estoy encantado de saber que tuviste una experiencia positiva con nuestro equipo en InterLinc Mortgage Services, LLC. Fue un placer asistir en este proceso, y agradezco tus amables palabras hacia Ana, Elizabeth, Marlein y todos lo...read more
J
Juanesteban R R
Houston - TX
Posted on April 17th, 2025 04:28 PM
5.0
for
David Rodriguez
Everything was professional
Reply from
David Rodriguez
April 21st, 2025 04:29 PM
Thank you for your kind words, Juanesteban. I'm pleased to hear that you found everything professional. It was a pleasure working with you at InterLinc Mortgage Services, LLC. If you have any further questions or need assistance i...read more
R
Roberto L
La Porte - TX
Posted on April 9th, 2025 04:29 AM
5.0
for
David Rodriguez
We are very grateful for the excellent staff you have, very competent, friendly, and professional, especially Elizabeth Martinez and Ana Martinez. I can't express myself in the same way as the rest of the staff because I didn't have the same verbal conversation...
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Reply from
David Rodriguez
April 13th, 2025 04:30 AM
We are thrilled to hear about your positive experience with our team, especially with Elizabeth Martinez and Ana Martinez. Your kind words about their competence and professionalism are greatly appreciated. Thank you for taking th...read more
R
Rhonda P
La Porte - TX
Posted on April 7th, 2025 02:41 PM
5.0
for
David Rodriguez
David and his team were great with communicating with myself and my buyers. They kept my buyers up to date throughout the whole loan process!
Reply from
David Rodriguez
April 11th, 2025 02:43 PM
I'm glad to hear that you and your buyers had a positive experience with our team. It was a pleasure to assist you all through the loan process, and I appreciate your feedback on our communication efforts. Thank you for choosing I...read more
D
Damon B
Posted on March 27th, 2025 02:25 PM
5.0
for
Houston, TX (Northwest)
Very knowledgeable and family friendly
Sure to assist you step by step to achieve
Your end goal
D
Damon R B
Spring - TX
Posted on March 27th, 2025 02:24 PM
5.0
for
David Rodriguez
Keep up the great work with helping families dream of home ownership a realit.
Reply from
David Rodriguez
March 31st, 2025 02:26 PM
Thank you, Damon, for your kind words. I'm thrilled to have played a part in helping families achieve their dream of homeownership. Your feedback is truly appreciated.
N
Nailen A C
Houston - TX
Posted on March 14th, 2025 02:07 PM
5.0
for
David Rodriguez
The team is excellent
Reply from
David Rodriguez
March 18th, 2025 02:10 PM
Thank you so much, Nailen! I'm thrilled to hear that you found the team excellent. We always strive to deliver the best service possible, and it means a lot to know that we've met your expectations. If you ever need anything in th...read more
J
Jorge R D
Tomball - TX
Posted on February 11th, 2025 03:55 AM
5.0
for
David Rodriguez
Thank you David and all his team.
Reply from
David Rodriguez
February 15th, 2025 03:57 AM
Thank you, Jorge! I'm thrilled to hear you had a great experience with us. It was a pleasure working with you, and I'm glad our efforts made a positive impact. If you ever have any more questions or need assistance in the future, ...read more
P
Pedro A L H
Houston - TX
Posted on January 29th, 2025 02:50 PM
5.0
for
David Rodriguez
I just want to thank you for all your Help
Reply from
David Rodriguez
February 2nd, 2025 02:51 PM
Pedro, your kind words mean a lot to me. Helping you through this process was my pleasure, and I'm so glad I could be of assistance. I truly appreciate you taking the time to share your experience. It makes what I do even more rewarding.