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.
Very professional staff. We knew what was expected and required of us from the very first meeting. There were no surprises during this entire process. Everyone we worked with was professional, knowledgeable and extremely helpful!
These guys are great! Got the job done when others faltered. THANK YOU!!!
I was in a tight spot, and trying to close on my very first house in just 28 days. InterLinc did a great job talking me through the process, letting me know what they needed, keeping me informed of the status and any revisions needed, and processing everything to meet the deadline. They are fast, courteous, and I highly recommend them!
InterLinc Mortgage went above and beyond from the first time I submitted my information online. They called me back the day I submitted......on a Sunday! Wow! The home buying process was smooth and I was called AND emailed every step of the way. I can't say enough good things about ALL of the people at InterLinc!
InterLinc Mortgage Services, LLC was great to work with. From our initial contact until the day of closing they were very professional, kept us updated on every step of our mortgage loan process, and made our new home purchase a smooth process. I would recommend InterLinc to anyone looking for a mortgage company. Courteous, Caring, Professional.
Great with keeping you updated and always explained everything so that it was easy to understand. Always called back and kept me informed about any new details from start to finish.
Great service! Great team! Great communication! I am a first time buyer and I had no idea what I was getting myself into and this team made this process taste like cake!
My preferred lender to send my customers and clients to. They always go above and beyond and do what it takes to get it closed, often times ahead of schedule too!! Excellent follow up and they treat my customers like a person and not a number. Highly recommend!!
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.
The Best!!! Stress free!! Always kept in contact and provided me with the best service. Never doubted my ability to become a homeowner. Made sure I understood all the background information and broke down everything I needed to know about my mortgage. Best experience.
Approval went so smoothly with this company. I would recommend them highly. Great people to work with!! 5 stars definitely!!
The entire team is incredible and make all the process so simple. Thank you so much for your help.
InterLinc made our purchase of a new home not only an easy process but painless as well. The entire staff was there to support us each step of the way. I think the thing I liked best was that even though they do this day after day they understood that this is not something the rest of us do very often. I even had one of the staff member ensure me that she had my back. What a nice feeling.
Great people, Great service, I wish someone had told me about InterLinc sooner. They work with you step by step through the whole process. If something isn't right you will get a call. Have questions? They will be there to answer them.
There are many mortgage companies to work with, but hands down the InterLinc team should be your choice! Friendly and supportive!
First off let me say thank you for manner that you and your team of "PROFESSIONALS" handled this transaction. I have been in the Real Estate industry in Montgomery, AL for almost 30yrs. I have worked with several Real Estate companies, as well as owned my own firm. Over the years I have had every experience imaginable with lenders. Needless to say this is the first time that I have ever felt compelled to write to commend a company for the services rendered. The manner in which you "managed" this transaction, as well as the Client from start to finish was superb!
As I said you guys are a team of "PROFESSIONALS"... Which I believe is a word or title in today's society that is taken to lightly. Many may profess to be… but you guys OWN IT!!
How did you do? A+
Very efficient. Gave us help with things they did not have to in order for this to be smooth and easy for us! Would absolutely use them or recommend them!
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 hardworking. I am so grateful for their awesome work and highly recommend them for anyone looking for a mortgage loan.
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!!
Great people, Great service, I wish someone had told me about InterLinc sooner. They work with you step by step through the whole process. If something isn't right you will get a call. Have questions? They will be there to answer them.
Great to work with! Made it easy for us and answered all our questions along the way. Wonderful experience. THANK YOU!
The service was outstanding. They were patient. Encouraging, and very knowledgeable. We can't thank them enough for helping make our dream of owning a home come true.
Approval went so smoothly with this company. I would recommend them highly. Great people to work with!! 5 stars definitely!!
The entire team is incredible and make all the process so simple. Thank you so much for your help.
InterLinc made our purchase of a new home not only an easy process but painless as well. The entire staff was there to support us each step of the way.
The ability to review and sign digitally, even on phone, was a great time saver!
There are many mortgage companies to work with, but hands down the InterLinc team should be your choice! Friendly and supportive!
The service was outstanding. They were patient. Encouraging, and very knowledgeable. We can't thank them enough for helping make our dream of owning a home come true.
