7 Things You Should NOT Do When Applying For A Home Loan
The following is a sample of this report:
This is a list of things to steer clear of when you are seeking to obtain financing for a home. The following items may prove to be a detriment when you wish to move forward with the loan process.
- Don't buy or lease an auto! Lenders look carefully at your debt-to-income ratio. A large payment such as a car lease or purchase can greatly impact those ratios and prevent you from qualifying for a home loan.
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- Don't move assets from one bank account to another! These transfers show up as new deposits and complicate the application process, as you must then disclose and document the source of funds for each new account. The lender can verify each account as it currently exists. You can consolidate your accounts later if you need to...
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Holly and her team were recommended to me by my real estate agent. Holly Walther & Team are a very organized and knowledgeable group. Their attention to detail is outstanding. In addition, they create an honest atmosphere of caring by making themselves available for questions - no matter how small or silly the questions may seem. At one point in the process, I deeply misunderstood part of the reasoning behind a portion of the loan process; I broke down in a sobbing mess. It would have been easy for Holly Walther & Team to treat me differently at that point - like someone who is incapable of controlling their emotions. Instead, the team treated me with their highest reapect, and continued to reach out to me via e-mail, text, and phone calls. I highly recommend this group, not just for their expert skill sets, but also for their genuine compassion and ability to collaborate with all types of people.
Holly and her team are amazing and I’m so glad I had them in my corner. I bought my first house end of last year and I must say the building process was not smooth but Holly and her team had my back the entire time. I wish the builder was on top of things the way Holly and her team were. They kept my spirits up and kept me well informed. I highly recommended Holly and her team.
Holly and her team are absolutely wonderful! Everyone I interacted with went above and beyond to make the home buying experience fast and pleasurable. By far the best experience you will ever have buying a home. I will never buy another house without using them.
I had a great experience working with Holly Walther & Team during my loan process and can’t thank them enough. As a first time home buyer, I truly did not know much about the process and what steps were coming. Holly was more than willing to answer any and all questions, not only through the very beginning of the process, but even after closing. Her team is professional, prompt in their responses, and couldn’t have been friendlier. They will certainly be my team of choice from here on out and I would highly recommend them to anyone! Thank you guys!
Holly and her team are the absolute best! My family has used Holly’s team on two homes and both experiences were flawless. Every member of her team who helped us was friendly and knowledgeable. Best customer service ever!
Thank you Holly and your terrific team in helping us with our loan closing. No word can describe the fantastic job you all have done throughout our loan process. You all have kept us informed of our loan progress every step of the way. Your expertise and professionalism have way exceeded our expectations. I am very touched with your courtesy and caring. The Holly Walther team had done the impossible. We couldn't of bought the house without all your help. Please accept our deepest gratitude and thank you from the bottom of our hearts. You all are so incredible.
Holly and her team made our home buying experience smooth and stress free. Everyone was on the same page and knew exactly the answers to all of my questions and concerns. They are on the top of their game. Keep up the great work.
Holly Walther and team made our experience smooth and helped us every step of the way! Everyone is kind, friendly and so professional. I highly recommend them as a lender!
From start to finish, Holly and her team did an amazing job through the entire lending process and bestowed nothing but confidence for me and my wife in the process. Great job by everyone on her team. We would HIGHLY recommend her!
We loved working with Holly and her team! They were wonderful every step of the way and my favorite thing was the weekly update emails. I never was left waiting to hear from them and they treated us with so much care and consideration. I have recommended this group to all of our family and friends and plan on using them again in the future!
Holly and her team are amazing. We have recommended them to several of our friends over the years. They are both professional and personal in their approach to helping people find a home. No stone is left unturned when they begin helping their clients. My wife and I have bragged about Holly and her team for years. We are currently using them for the second time to help us find our second house.
Holly and her team were wonderful from our first contact! Each member of the team is very quick to respond to both calls and emails. They were patient in explaining paperwork needed and explaining what was happening each step of the way. They provide little videos that make it easier to understand what all is happening for those who don't speak lender lingo. Everyone was very personable yet professional! I would recommend this team to anyone!
Holly and her team have been absolutely amazing. I can’t recommend them enough. Buying a home can be so stressful but Holly and the team made this experience stress free! We have truly enjoyed working with them.
We had an awesome experience with this company!! Holly and team did an outstanding job throughout the entire process. The whole team’s communication was excellent. Even our real estate agent was impressed. I would use them again.
Holly and her team were all very consistent and thoughtful in their communication with me. Any and all questions I had for them were answered promptly, kindly, and patiently. I highly recommend reaching out to Holly and her team for those interested in buying real estate.
In the last 20 years, I've been "to the well" a number of times - purchases, refinances, children's first mortgages - and ONE TIME I thought I would "save some time" by letting my existing lender refinance their own loan. Once burned - and I've learned my lesson - I will NEVER consider another mortgage guru - Holly has always been available, to answer questions, had provided flawless advice at every junction, and thee process is so smooth and easy, you actually feel bad for folks who areen't using her team!. I know that I will never do that again. Thank you Holly Walther Team for all you do to make this process almost seem easy. It's been said that an expert makes thee difficult look easy - and the easier it looks, the more an expert they are! That describes Holly.