Mortgage Process Guidelines
Important reminders to protect your approval and avoid delays
At A-M-S Mortgage Services, we're committed to getting you to the closing table as smoothly as possible. The mortgage process is sensitive to any changes in your financial situation from now until closing. Below are important reminders to help protect your approval and avoid unnecessary delays.
Do's During the Mortgage Process
✅ Check your email daily
During this process you will receive several requests to provide documentation and to e-sign time-sensitive documents. Not responding promptly can cause delays.
✅ Continue paying all bills on time
Even one late payment can impact your approval or interest rate.
✅ Keep your financial documents handy
Pay stubs, bank statements, and tax returns may be requested again as we get closer to closing.
✅ Let your loan officer know about any changes
Employment, income, marital status, or anything that could affect your application.
✅ Maintain stable bank activity
Consistent deposits and balances help underwriting move smoothly.
Don'ts During the Mortgage Process
❌ Don't take unpaid time off work
Your employment and income are subject to reverification until the closing date. Don't take an unpaid vacation without speaking to your loan officer first.
❌ Don't apply for new credit
No new credit cards, car loans, furniture financing, or loans of any kind without speaking to your loan officer first.
❌ Don't make large purchases
Reducing your assets unnecessarily can only weaken the strength of your application.
❌ Don't move money between accounts without documentation
Transfers can trigger additional verification requirements. Speak to your loan officer before moving money between accounts.
❌ Don't change jobs or employment structure
Especially switching from W-2 to 1099 or full-time to part-time, unless you discuss it with your loan officer first.
❌ Do not deposit cash
Cash deposits cannot be sourced and may cause issues with your loan approval.
❌ Don't co-sign for anyone
Even if you're not making the payments, it still impacts your debt profile.
Our goal is to help you get to the closing table smoothly.
If anything comes up or you're unsure whether something might affect your loan, please reach out to your loan officer before taking action. A quick call or email can prevent unnecessary delays or even a mortgage denial.
We look forward to helping you through the next steps.
Have Questions?
Your loan officer is your best resource — don't hesitate to reach out at any point during the process.