{"id":2022,"date":"2015-08-16T14:15:23","date_gmt":"2015-08-16T14:15:23","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=2022"},"modified":"2020-07-13T22:34:21","modified_gmt":"2020-07-13T22:34:21","slug":"mortgage-loan-process","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/mortgage-loan-process\/","title":{"rendered":"Mortgage Loan Process Tips to Avoid. The solution is to be Boring!"},"content":{"rendered":"

Some of these circumstances you may think are obvious and others just don’t seem right. \u00a0But they can kill your mortgage loan\u00a0potentially at the very last hour.\u00a0 When buying a home, the best advice we can tell you is to be very boring and\u00a0“Steady Eddie”.\u00a0 This includes\u00a0before and during the mortgage loan\u00a0process.\u00a0 In a perfect scenario, lenders love to see long tenures on the same job and with the same employer.\u00a0\u00a0Other positives include\u00a0credit length, not moving money around, and no credit inquiries.\u00a0 Some of these items may not deny a loan but it could at least cause delays or more paperwork at a minimum.<\/p>\n

\"mortgage<\/p>\n

Mortgage Loan Process – Top\u00a010\u00a0“What Not To Do When Buying a Home” Tips:<\/h2>\n

While in the mortgage loan process, avoid these examples to make your closing easier.<\/p>\n

    \n
  1. Teacher quit job in June\u00a0for a purchase closing in July<\/strong>.\u00a0 Borrower’s response:\u00a0 “I’m a teacher and we take off the summer anyway so I will find another job somewhere when school starts back”.\u00a0 We couldn’t believe this answer but this did not work and had to wait until the borrower got a new job.\u00a0 Unless your mortgage lender is definitely using other income like retirement or social security only<\/em>, DO NOT quit your job!\u00a0 Lenders will find out when a final verbal verification of employment is performed.\u00a0\u00a0This is not the time to find out.<\/li>\n
  2. Borrower changed jobs in the mortgage\u00a0loan process from an hourly nursing position of many years to a position as a traveling nurse being paid as PRN.<\/strong>\u00a0\u00a0Most of the income came from mileage reimbursement and a smaller hourly pay.\u00a0 The borrower saw it as making more money because\u00a0much of the new income was nontaxable but lenders will not count this new income\u00a0as it didn’t have a\u00a0history plus it is really just reimbursement and not\u00a0consistent amounts.\u00a0\u00a0Be very careful when considering a job change as it could be better in ways but may not work for your home purchase, at least for a while.<\/li>\n
  3. Borrower paid off medical collections without having them deleted<\/strong>.\u00a0 It took a while for the borrower to find a house so a new credit report was pulled when a property was chosen and the prior credit expired.\u00a0 The credit scores dropped 100 points!\u00a0 The reason for the drop:\u00a0 If a collection that has a date of last activity of a few years ago is paid off now, the date of last activity changes to\u00a0NOW.\u00a0\u00a0It is like new collection activity and the credit score can drop significantly.\u00a0 This makes no sense and\u00a0most of the general public doesn’t know this.\u00a0 But this is what happens currently with credit scoring systems.\u00a0 There is talk of this changing in the future so paying off a collection won’t hurt a credit score.\u00a0 So do not pay off collections in the mortgage loan process.<\/li>\n
  4. Changing from hourly \/ salary income to commissioned.<\/strong>\u00a0 Do not change from hourly or salaried income to commissions during or just before the mortgage loan process.\u00a0\u00a0At\u00a0minimum, borrowers must have a 1 year history of commissions reporting on tax returns to figure an average.\u00a0 But often it can even be 2 years of history before including the income on a mortgage.\u00a0 For example, if someone changes from $4,000 monthly salary to $2,000 base and commissions of approximately $2000 per month, $2000 per month will be used as income and not $4000!<\/li>\n
  5. Changing jobs from w2 to 1099 income.<\/strong>\u00a0 Be careful.\u00a0 We had one couple that were doing everything right before going under contract on a house.\u00a0\u00a0They even asked if the wife changed jobs with the same position, would\u00a0be ok.\u00a0 So we talked at length about making sure that the new job is salaried, w2’d, etc.\u00a0\u00a0We gave the ok as long as the new job could be verified as discussed<\/span>.\u00a0 Wouldn’t you know, the borrower started the new job and found out that new job\u00a0was actually\u00a0paid as a contractor.\u00a0\u00a0The position was\u00a01099’d even though the interview said it was w2!\u00a0 So the borrower became brand new self-employed .\u00a0 This\u00a0means zero income could be counted in this case since there is no history on the most recent tax returns.\u00a0 The employer didn’t think anything of it but obviously this made a big loan issue to the borrower’s home purchase.\u00a0 Luckily this ended as a happy ending because the borrower qualified on his income alone.\u00a0\u00a0The\u00a0co-borrower\u00a0was happy with her\u00a0new job\u00a0and the purchase closed.<\/li>\n
  6. Don’t stop paying your bills on-time during the mortgage process!<\/strong>\u00a0 We couldn’t believe it when we re-pulled a final soft pull credit report 2 days prior to closing\u00a0– 4 credit card accounts were all 30 days late just before closing!\u00a0 The answer we received when brought up\u00a0was “When we had to pay the $500 deposit on the purchase contract, we had to decide not to pay something so we could get the house”.\u00a0 So keep in mind, if you have to skip payments on bills to afford the earnest money deposit, it is not the right time for you to buy a house.<\/li>\n
  7. Don’t go car shopping, it can wait!<\/strong>\u00a0 This happens the most of any of these No-No’s when the instant gratification of buying a new car steps in.\u00a0 Even if you are buying a new car that has a lower payment, make sure you talk to your mortgage lender first because one more credit inquiry could make your score go from a 640 to a 635.\u00a0\u00a0Then there is a\u00a0potential turn down on a USDA loan for instance.\u00a0 Believe it or not, the borrower in # 1 above also got 2, yes 2, new car loans in the mortgage process.\u00a0 One was for the daughter and the answer was\u00a0“but the daughter will make the payments”.\u00a0 That doesn’t matter!<\/li>\n
  8. Don’t hide or forget to mention debts such as IRS or State Income Tax payment plans to your loan officer.<\/strong>\u00a0 These will be found out from the bank statements being reviewed later in the process.\u00a0 So make sure that you mention these type of things early in the process.\u00a0 An extra $300 in payments\u00a0could cause a debt ratio to be too high for qualifying.<\/li>\n
  9. Don’t co-sign on new accounts!<\/strong>\u00a0 Many think that co-signing on a new car or other type of loan will not factor in the borrower’s debt ratio.\u00a0\u00a0“I’m only a co-signor and the other person will be making the payments”.\u00a0 Always\u00a0keep the following in mind:\u00a0\u00a0You are still on the hook just as much as the primary borrower.\u00a0\u00a0If the borrower is late or in default on the payments, it shows on your credit just the same.\u00a0\u00a0The debt will be counted in your debt ratio.\u00a0 If you have co-signed with someone and can provide the promissory note listing you as a co-signor, plus\u00a012 month’s proof that the other person paid the creditor directly, it can often be excluded from your mortgage debt ratio.<\/li>\n
  10. Don’t turn in your car!<\/strong>\u00a0 Some people think that letting a car go back voluntarily is ok, but whether you give it back or the company takes the car, it is reported as a repossession.\u00a0\u00a0Additionally,\u00a0if the car is sold for lower than the balance, which it often is, you will owe a collection balance.\u00a0 This has happened a\u00a0few times that we can recall over our 21 years in the mortgage business but many misunderstand turning a car in, so that is why this is mentioned.<\/li>\n<\/ol>\n

    We hope that this will save at least one purchase from being denied.\u00a0 No borrower or mortgage lender can error-proof a mortgage loan process.\u00a0 But hopefully these examples will\u00a0help you remember to ask questions before you do something.\u00a0 We don’t mind answering questions.\u00a0\u00a0It is better to ask and it be no big deal, than not asking.\u00a0\u00a0Not asking could kill your home purchase.\u00a0 So remember, boring and Steady Eddie is better!<\/strong><\/p>\n

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    Follow our writer, Russell Smith<\/span><\/a>, on ActiveRain<\/span><\/a>.\u00a0 ActiveRain is a site\u00a0that real estate professionals, buyers, and sellers may use to gain helpful knowledge.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

    Some of these circumstances you may think are obvious and others just don’t seem right. \u00a0But they can kill your mortgage loan\u00a0potentially at the very last hour.\u00a0 When buying a home, the best advice we can tell you is to be very boring and\u00a0“Steady Eddie”.\u00a0 This includes\u00a0before and during the mortgage loan\u00a0process.\u00a0 In a perfect […]<\/p>\n","protected":false},"author":2,"featured_media":5539,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,33,97,40],"tags":[22,23,93,9,10,12,166,13,16,310,18,311,102,20,21,139],"class_list":["post-2022","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-frequently-asked-questions","category-interesting","category-tips","tag-credit-reports","tag-credit-scoring","tag-debt-ratio","tag-first-time-buyers","tag-homebuyers","tag-lumberton-board-of-realtors","tag-mortgage-credit-score","tag-mortgage-faqs","tag-north-carolina","tag-pinehurst-southern-pines-association-of-realtors","tag-realtors","tag-sanford-area-association-of-realtors","tag-south-carolina","tag-team-move","tag-wrar","tag-wrightsville-beach-nc"],"acf":[],"yoast_head":"\nMortgage Loan Process - Avoid These Issues Prior to Closing!<\/title>\n<meta name=\"description\" content=\"Understanding the mortgage loan process is important. 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