Questions about lending

    “I would like to talk to you about the best things to do and not to do when buying your new home.  My goal is to make your loan process smooth and easy right up to closing.  Start putting aside documents like your most recent pay stubs and last years W2’s.  If you are self-employed, you will also need your past two years of tax returns.  You will also need bank statements to verify you have the money needed for closing.  Try not to deposit any extra money other than payroll deposits into your accounts, avoid job changes, and please don’t buy a car or new furniture until after you buy your new home.  Be cautious of having your credit pulled once you are in the credit process and please let her know if you have any changes to the purchase contract such as changes to the purchase price or seller paid closing costs.” – Jenny Wynn, Loan Officer with Guaranty Mortgage, (706) 615-2338

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