First National Mortgage Services LLC

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A Smooth Loan Approval

TIPS FOR A SMOOTH LOAN APPROVAL

Here is a list of helpful tips to ensure an effortless loan process. These DO’s and DON’Ts will help avoid any delays with your loan approval. 

DO call me if you have any questions      
DO continue living at your current residence
DO continue making your mortgage or rent payments
DO continue to use your credit as normal
DO keep working at your current employer
DO keep your same insurance company
DO stay current on all existing accounts
 
DON’T apply for new credit (even if you seem pre-approved)
DON’T buy any furniture
DON’T change bank accounts
DON’T close any credit card accounts
DON’T consolidate your debt onto 1 or 2 credit cards
DON’T finance any elective medical procedure
DON’T join a new fitness club
DON’T make a major purchase (car, boat, fur, jewelry, etc.)
DON’T max out or over charge on your credit card accounts
DON’T open a new cellular phone account
DON’T open a new credit card
DON’T pay off any loans or credit cards without discussing it with us
DON’T pay off charge offs without a discussion with us first
DON’T pay off collections without a discussion with us first
DON’T start any home improvement projects
DON’T take out a new loan
DON’T transfer any balances from one account to another

If you encounter a special situation, it is best to mention it to me right away so I can help you determine the best way to achieve your goals. Email me or call me at 615 893 2273 with any questions or concerns about these tips or any other part of the home finance process.

Amy Cantrell, NMLS #1502564, Loan Officer  NMLS #1502564
First National Mortgage Services LLC, NMLS #719247
1111 North Maple Street, Murfreesboro, TN  37130
Direct:  (615) 893-2273
Cell:  (615) 347-1425
acantrell@fnmloans.com
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