The Secrets for a Smooth Loan Approval
If you are on the road to buying your future home, it will probably require taking out a home loan. For a smooth loan approval, we’ve created a list of do’s and don’ts for keeping your home buying process on track.
What experts recommend you should Do:
- Continue to make your mortgage or rent payments
- Stay current on all your existing accounts
- Keeping working at your current employer
- Keep your same insurance company
- Continue to live at your current residence
- And continue to use your credit as normal.
Some things not recommended to do during your home loan approval process… AKA the Don’ts.
- Do not make any major purchases, such as a car, boat, jewelry, furniture etc.
- Apply for NEW credit even if you seem pre-approved
- It is recommended you don’t pay off charges or collections without talking with your loan officer first
- Close any credit card accounts or change bank accounts
- Max out or over charge your credit cards
- Do not start major home improvement projects that will cost you a lot of money
- Finance elective medical procedures
- Or open a new cell phone account.
These are just some of the recommendations for a smooth loan approval from our trusted home loan partners. Remember, if you have any questions about keeping your home loan approval on track, be sure to reach out to your Graham Team agent or home loan officer.

Resources
- How to Make the Dream of Homeownership This Year
- If you’re interested in buying a home and want to chat more about your options, click here. Or, you can call us directly at 702-930-9551.
- If you’d like to browse new listings, click here.
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