Credit Do's and Don'ts if You Are Thinking of Buying a Home?

Fannie Mae is requiring more stringent reviews of loans from lenders so if you are going to be in the market for a home in the near future keep the following in mind:

  • don’t incur any new debt, especially between the time you apply for the loan and the closing on your property;
  • don’t apply for credit cards or anything that would require a credit check, as they are going to be looking at all credit inquiries, especially those prior to closing;
  • do have plenty of documentation on the source of any large deposits as these are going to scrutinized a lot more closely.  If you are getting a gift from a relative for the down payment, make sure you have a gift letter.  If you are selling stocks or bonds have a copy of the transaction from your financial institution.

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