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!
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.
The whole process was smooth, even though my wife and I had never been through buying a house before. The team was easy to work with and made sure we knew what the next step was to get us through to the end.
This team was amazing! Not only did they get us the rate that we wanted, but closed us in 20 days!! Thank you so much!!
Awesome TEAM! Made the whole buying process so simple to understand and get through. Every time we had a question one of the TEAM members was there to help and took their time so we knew exactly what was going on and what to expect. We got weekly updates every week, some people say they will, Kleckley Mortgage Team did! If I ever have to buy another home this will definitely be where I go to get it done. My wife and I were always asking questions and the response time and knowledge were exceptional!
Simply put...AMAZING! From the first moment, each member of this team greets you until after you close you know they have your back and will work with YOU in mind. They'll do everything they can and need to in order to get you through the process painlessly and efficiently. I have dealt with a couple of other lenders before and neither were as compassionate and welcoming as this team. I will definitely work with them again for any future purchases!
The team at InterLinc is amazing! After relocating back to Texas we thought it would take several months to obtain a mortgage. We found a house we loved, applied for our loan and were closed, funded and moved in exactly 4 weeks after applying. The staff is honest, professional and hard-working. I am so grateful for their awesome work and highly recommend them for anyone looking for a mortgage loan.
Ask anyone who has bought a house in their life about how big of a nightmare working with a lender can be. With INTERLINC, this was NOT the case. Wes' team was amazing. The communication was great. Not once did I question where I stood on my loan or what point of the process I was in. I had a substantial amount of questions as this was my first time using a VA loan and did not understand the process. There was never a question that they couldn't answer immediately. This team is exceptionally knowledgeable and customer-oriented and I always had the feeling that was being taken care of. I highly recommend Kleckley Mortgage to anybody and everybody looking to obtain a home loan. Don't waste your time nor your sanity dealing with any other company.
