Buying a home is exciting but it’s also a process with a lot of moving parts. Over the years, we’ve noticed a few common things that can slow down (or even derail) a loan file. Here’s how to stay ahead and keep your purchase on track:
- Complete your loan application quickly – The sooner we have your info, the sooner we can lock in your plan and get you moving toward closing.
- Send in documentation early – Paystubs, W-2s, and bank statements are a big part of the process. Having them ready to go prevents unnecessary delays.
- Be upfront about work history or variable income – If you’ve changed jobs recently or have income that fluctuates, that’s totally fine — we just need to document it clearly.
- Have funds to close ready – Make sure your down payment and closing funds are seasoned (in your account for at least 60 days) and easy to access when it’s time to wire.
- Keep your money organized – Avoid large, unexplained deposits or account transfers during the loan process. Every move needs a quick paper trail.
- Line up homeowners insurance early – Getting your policy squared away before closing ensures a smooth finish and no last-minute scrambling.
A little preparation goes a long way toward a fast, stress-free closing. Our team is here to walk you through every step so you can focus on getting the keys to your new home.
— The Tree Line Loan Team
