02/19/2026
Make sure you know these 6 things…👇
1️⃣ Two-year work history matters. Lenders look for stability. If you’ve recently changed jobs, that’s okay… But we need to show consistency in your field or income structure.
2️⃣ No active disputes on your credit report. Even if your score looks good, disputes can pause or delay underwriting because the true score can’t be verified until they’re removed.
3️⃣ Know your real budget. Just because you’re approved for a certain amount doesn’t mean you should spend it. We’ll look at your comfort level, lifestyle, and long-term goals.
4️⃣ NO large cash deposits. Every dollar needs to be sourced and documented. Random deposits can create extra conditions or even jeopardize your approval.
5️⃣ AVOID large purchases. Buying a car, furniture, or opening new credit can increase your debt-to-income ratio and reduce your buying power instantly.
6️⃣ NO sports betting or gambling activity. You’ll be surprised how common it is for people to try to double their money through betting while under contract, and lose it all. Days before closing, they suddenly don’t have enough funds, and the deal falls apart.
Preparation is everything. The smoother your file, the stronger your offer, the faster you get keys in hand. 🔑✨
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