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The Do's & Don'ts

A LIST OF HELPFUL TIPS

Whether you're purchasing  or refinancing, here are a few important things to know. Please

feel free to call any member of Jolene Moore's Team with any questions. 

DO, Save, and Provide

* Continue making your mortgage or rent payments and stay current on all credit accounts

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* Most current pay stubs covering the last 30 days, last 2 years federal tax returns (all pages, all

   schedules), 2 years W-2s/1099s and other income documentation

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* Most recent asset statements including bank, brokerage, mutual funds, and retirement

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* Include all types of income including base pay, overtime, bonuses, retirement, child/spousal 

   support

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* A complete 2 year residence and employment history

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* Keep documentation for all non-payroll deposits

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* Gift fund documentation including proof of donor's ability to gift, gift letter, copy of gift check

   and proof of gift deposit

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* Divorce decree, separation agreement, property settlement agreement, if applicable

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* Copy of current lease and mortgage statements on any investment properties

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* Original Green Certificate of Eligibility for VA loans

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* Copy of DD 214 or Statement of Service from your commanding officer (stating that you are in 

   good standing) for VA loans

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* Know that funds for closing need to be a certified check or wire

DON'T Before or During the Loan Process

* Open any new credit cards or increase credit card balances

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* Close any credit card accounts

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* Dispute or close any items on your credit report

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* Forget to make your payments on time

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* Take any credit card advances

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* Make unnecessary banking transfers

 

* Make any major purchases such as a car, boat. furniture, jewelry, etc.

 

* Start new home improvements projects until after closing

Jolene Moore

Regional Vice President/ Branch Manger
Branch NMLS2063944

Company NMLS3029

Licensed in:
    District of Columbia
    Florida

    Maryland
    North Carolina
    Virginia

Cross Country Mortgage, LLC

12700 Fair Lakes Cir, STE 460

Fairfax, VA 22033

Cell: 703-216-6688

Office: 571-800-0710

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Equal Housing Lender
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