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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Isaac C
Cleveland - TX
Posted on 2025 July 14
11:51 PM
4.75
for
Johanna Valera
She was amazing!
Reply from
Johanna Valera
2025 July 16
12:17 PM
Thank you, Isaac, for your generous words. I'm delighted to know you had such a positive experience. If there's anything else I can assist you with, feel free to reach out anytime.
J
Jesus S G D L
Cypress - TX
Posted on 2025 July 10
04:04 PM
5.0
for
Johanna Valera
. Thankyou so much
Reply from
Johanna Valera
2025 July 14
04:05 PM
Thank you, Jesus, for your kind words. I'm truly grateful for your feedback and am glad I could assist you. If you need anything else in the future, please don't hesitate to reach out.
M
Maggie G
Posted on 2025 June 26
03:46 PM
5.0
for
Johanna Valera
Working with Johanna Valera has been nothing short of a blessing. From the very beginning of our journey, she became more than just a Loan Office; she became our biggest supporter, guide, and our constant source of reassurance. She made the process feel...
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M
Manuel A E
Cleveland - TX
Posted on 2025 June 13
09:44 AM
4.75
for
Johanna Valera
Gracias esbueno
Reply from
Johanna Valera
2025 June 17
09:50 AM
Thank you so much for your kind words! We're thrilled you had such a positive experience at InterLinc Mortgage. We're committed to providing excellent service to all our clients and we're glad to hear we met your expectations.
R
Reylandis S G
Houston - TX
Posted on 2025 June 12
02:46 PM
5.0
for
Johanna Valera
everything is excellent
Reply from
Johanna Valera
2025 June 16
02:51 PM
I'm thrilled to hear that everything was excellent with your experience. It was a pleasure working with you, and I appreciate your positive feedback.
E
Esteban G R
Houston - TX
Posted on 2025 June 11
03:34 PM
5.0
for
Johanna Valera
Johanna and her team made the whole process as smooth and fast as possible. She answered every question quciky and easily to where we could understand. We're highly greatful for her and her team, we will recommend her services to our friends and family....
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Reply from
Johanna Valera
2025 June 15
03:34 PM
I'm thrilled to hear that you found the process smooth and fast. It was a pleasure answering your questions and ensuring everything was clear. Thank you for your kind words and for recommending our services to your friends and family.
T
Terri R B
Houston - TX
Posted on 2025 June 9
08:51 AM
4.75
for
Johanna Valera
I loved the .milestone videos. They were super helpful and also ensured that I was on the lookout for whay emails and documents to expect next.
Reply from
Johanna Valera
2025 June 13
08:59 AM
Thank you for your feedback. Please feel free to connect with us to help us improve our services.
F
Fabiola D
Houston - TX
Posted on 2025 June 6
02:51 PM
5.0
for
Johanna Valera
I appreciate Johanna and the entire TX Capital village!
Reply from
Johanna Valera
2025 June 10
02:53 PM
I'm delighted to hear your appreciation for both my efforts and the entire TX Capital team. It was a pleasure working with you, and we're thrilled to have been of assistance. Thank you for your kind words!
O
Octavio G H S
Houston - TX
Posted on 2025 June 4
01:56 PM
5.0
for
Johanna Valera
I would like to express my sincere gratitude to Miss Johanna Valero, who demonstrated exceptional professionalism, dedication, and efficiency throughout the entire process of acquiring our new home. Her guidance was essential in making this dream come...
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Reply from
Johanna Valera
2025 June 8
01:58 PM
I'm truly grateful for your kind words, Octavio. It was a pleasure to assist you through the process of acquiring your new home. Your appreciation for my dedication and professionalism means a lot. Thank you for trusting me with t...read more
C
Claret M O G
Houston - TX
Posted on 2025 June 2
09:16 AM
5.0
for
Johanna Valera
Very professional, dedicated and excellent person if you want to buy your house, I recommend 100%.
Reply from
Johanna Valera
2025 June 6
09:22 AM
I'm thrilled to hear that you found my services professional and dedicated. It was a pleasure assisting you with your home purchase, and I truly appreciate your recommendation.