Do...

• Do save every paycheck and all pages of bank statements throughout the process
• Do run all monies through your checking and savings accounts
• Do pay-off outstanding credit accounts immediately, and keep documentation
• Do document all irregular deposits into your checking account or savings account
• Do keep all documentation
• Do obtain proof your gift came from the donor (copy of donor’s account statement and check)
• Do obtain gift funds at least 2 months before closing 
• Do return your initial disclosures to imortgage.com immediately 
• Do document any liquidation of stocks, savings bonds, 401k loans
• Do make all payments on time

Don't...

• Don’t make any job changes without notifying your loan officer
• Don’t cash your paychecks (deposit paychecks into your account)
• Don’t wait to pay off any outstanding credit accounts
• Don’t throw away any documentation until the loan process is over
• Don’t trade in or buy a new car without notifying your loan officer 
• Don’t open any new credit accounts without talking with your loan officer
• Don’t wait until the last minute to provide requested documentation
• Don’t borrower money for your down payment
• Don’t save money outside of your checking or savings account 
• Don’t miss any payments on current liabilities