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If you’ve been saving cash at home (in the mattress) , do not—Liberty Mortgage repeats—do not move that money into your bank account. Those funds will be almost impossible to source and more than likely cannot be used for your down and payment and closing costs – Speak to us first – We will guide you on what to do –
Taking a cash advance on one’s credit card to use for the down payment and or closing costs is not allowed – Those funds cannot be used – Additionally, you would then be adding unneeded debt to yourself –
We all want to make as much as possible – The issue is changing jobs in the middle of financing causes major issues- We then would need to wait until you had at least 1 month’s worth of pay stubs and we would need to consider the type of job as well – Assuming the job change was in the works for quite a while and makes sense – (same industry, better pay) then it would work – Changing jobs into a total different industry might cause an issue with financing – Additionally, never go from being an employed borrower, i.e. – a salaried / W-2 worker, to self employed – That will cause a denial of any type of financing –
Do not purchase high end, expensive items prior to us closing your loan – We understand the new home will require furniture, appliances, etc- sometimes during a loan process, credit would have to be rerun- If new items do appear they will cause your debt to income to go up –
We review your current financial situation with you and provide expert guidance on your various financing options
Within minutes, we break down each scenario in plain English and give you time to make your own decision
Once you are in our system, the moment you give us the word – your rate will be locked in and loan will be secured
Decades of experience helping families fulfill their future. Give Liberty Mortgage Lending an opportunity to provide you with 5 star service!