Summary: Have you already been pre-approved for a mortgage? Just because you have doesn’t mean that final mortgage approval is imminent. There are certain things that you might do that can sabotage your mortgage, and we will outline what these are in this article.
After decades helping people in and around Seattle with their mortgage needs, we have clients do strange things. Some of these can actually ruin a loan application at the last minute—snatching defeat from the jaws of victory. Here are some things that all borrowers should avoid doing when applying for a mortgage or after being pre-approved for a home loan.
We had nearly completed Marge’s refinance. She was reducing her interest rate and drawing out cash for some home improvements. She was an ideal borrower—more than 20 years with the same company, flawless credit and a high appraisal on her home. Her salary was more than enough to qualify her for the loan she wanted. We were waiting for loan documents to arrive when I got a call from the underwriter.
“I have to decline this loan,” she said. I was shocked, since we had received the loan approval just a few days prior. “We did the verbal verification of employment this morning. She doesn’t work there anymore.”
I was surprised to hear this, since I had called Marge several times at work, and we had recent pay stubs from her job. I called her to see if there was some kind of mistake.
“I thought I told you,” she said. “I retired! Now I’ll have lots of time to work on fixing up my house.” Retired. No longer working. Drawing a small pension and Social Security—not enough income to qualify for the loan she wanted.
I had to tell her she wouldn’t get the loan. She thought that since her loan had been approved, it was clear sailing. So she retired before her loan was completed. If she had waited just three days, she would have been fine.
The lesson: Don’t make any significant changes in your employment—or leave your job—while your loan is in process. All lenders perform a last-minute employment check right before issuing funds for any loan.
Bret and Mary were buying their first home. They had saved enough cash for their down payment and had given us bank statements to show that the money had been in their accounts for at least two months (this is called “seasoned funds” in bank lingo). I cautioned them about moving money around. I explained that every penny in the transaction has to be documented, including transfers from other accounts. Bret, a lawyer, assured me that he understood how it worked.
When the day for signing the final documents arrived, Bret had a cashier’s check with him. It was drawn on a bank I wasn’t familiar with. He had forgotten to tell me about this other account. I explained that he’d have to bring bank statements for that new account.
He sent them to me that afternoon. I found a number of large deposits—several thousand dollars. They were gifts from relatives, he said.
We spent the next week tracking down these generous relatives and getting them to sign gift letters—and providing us with their own bank statements to source the funds they were giving to Bret and Mary. They were reluctant at first, but, at Bret’s urging, they gave us the documents we needed to close the transaction—a week later than we had planned.
The lesson: Don’t bring any new accounts into the picture at the last minute. We have to account for every dollar in the transaction.
Maria and Peter were refinancing to reduce their rate, saving nearly $500 a month. We had gotten their loan approved quickly and were about to order loan documents to complete their transaction. My phone rang as I was completing the document order. It was Maria.
“Guess what we did!” she said. I had a sudden sinking feeling. “We finally got that new car we wanted!” This was not good.
“Please tell me you didn’t get a loan on the car,” I said.
“Oh, we got a great rate, and a good deal on the car. We’ll be able to make the payments with the money we’re saving on the loan.” I ran some quick calculations. They no longer qualified with the additional payment.
Lenders are far more cautious than they were just a few years ago. All lenders will perform a “credit refresh” right before funding every loan. This is to determine whether the borrower has incurred any new debt since the application. In Maria and Peter’s case, the new car loan showed up on the credit refresh. Fortunately, we were able to get the dealership to take the car back and cancel the sale, so their loan was funded.
The lesson: No New Credit until the loan is complete. The credit refresh will show not only new credit, but also new credit inquiries. One new account can cause an approved loan to fall apart. Don’t allow anyone else to run your credit, for any reason, until your loan process is complete.
Preparation is key to avoiding mistakes with a mortgage loan. The last thing you want is to find out during your closing week that you’ve been denied a mortgage. Whether it’s knowing the right things to do or being aware of the pitfalls to avoid, the knowledge is available, and having it for yourself will make all the difference.
Are you ready to apply for a mortgage? Then you’ll want to team up with a seasoned mortgage team. Sammamish Mortgage is a local, family-owned company based in Bellevue, Washington. We have been serving the entire state since 1992, as well as the broader Pacific Northwest region including Colorado, Oregon, Idaho and Washington. We offer many mortgage programs for you to choose from. Please contact us if you have mortgage-related questions.
Updated at 2021-06-22
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|Category of Personal Information||Is information collected by us?||Is information transferred for valuable consideration?||Is information trasferred for business purposes?|
|Audio, electronic, visual, thermal, olfactory, or similar information||☐||☐||☐|
|Bank account number||☑||☐||☑|
|Commercial information (e.g., products or services purchased, or other purchasing or consuming histories or tendencies)||☐||☐||☐|
|Credit card number||☑||☐||☑|
|Debit card number||☑||☐||☑|
|Driver's License Number/ State ID||☑||☐||☑|
|Electronic network activity (e.g., browsing history)||☑||☐||☑|
|Health insurance information||☐||☐||☐|
|Identifiers (e.g., name or alias)||☑||☑||☑|
|Insurance Policy Number||☐||☐||☐|
|Online identifier (e.g., IP address)||☑||☐||☑|
|Other financial information||☑||☑||☑|
|Social Security Number||☑||☐||☑|
Don’t hesitate to contact us if you have any questions.
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Updates to Our Websites
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Term and Termination
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To the maximum extent permitted by applicable law, in no event shall Sammamish Mortgage be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, for loss of data or other information, for business interruption, for personal injury, for loss of privacy arising out of or in any way related to the use of or inability to use the Websites, third-party software and/or third-party hardware used with the website, or otherwise in connection with any provision of this Agreement), even if Sammamish Mortgage has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
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Updates to this Agreement
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Applicable Law and Venue.
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This section applies to any dispute EXCEPT IT DOESN’T INCLUDE A DISPUTE RELATING TO CLAIMS FOR INJUNCTIVE OR EQUITABLE RELIEF REGARDING THE ENFORCEMENT OR VALIDITY OF YOUR OR Sammamish Mortgage’s INTELLECTUAL PROPERTY RIGHTS. The term “dispute” means any dispute, action, or other controversy between you and Sammamish Mortgage concerning the Services or this agreement, whether in contract, warranty, tort, statute, regulation, ordinance, or any other legal or equitable basis. “Dispute” will be given the broadest possible meaning allowable under law.
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If you do not want third parties to conduct necessary research to provide you with a quote for your Request, then you should not submit a Request.
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Sammamish Mortgage is a distributor and not a publisher of the content supplied by third parties; as such, Sammamish Mortgage exercises no editorial control over such content and makes no warranty or representation as to the accuracy, reliability or currency of any information, content, service or merchandise provided through or accessible via the Sammamish Mortgage Service. Without limiting the foregoing, Sammamish Mortgage specifically disclaims all warranties and representations in any content transmitted on or in connection with the Sammamish Mortgage Services or on sites that may appear as links on the Sammamish Mortgage Service, or in the products provided as a part of, or otherwise in connection with, the Sammamish Mortgage Services, including without limitation any warranties of merchantability, fitness for a particular purpose or non-infringement of third party rights. No oral advice or written information given by Sammamish Mortgage or any of its affiliates, employees, officers, directors, agents, or the like will create a warranty. Price and availability information is subject to change without notice. Without limiting the foregoing, Sammamish Mortgage does not warrant that the Sammamish Mortgage Services will be uninterrupted, uncorrupted, timely, or error-free.
Don’t hesitate to contact us if you have any questions.
Email: [email protected]
Phone Number: (425) 401-8787
This Link: https://www.sammamishmortgage.com/
This Address: 3055 112th Ave NE Suite 203 Bellevue, WA 98004