Do not change or quit your job! If you feel you may be changing jobs when you apply or are in the process of getting a mortgage, let Therese know as soon as possible.

Do not pay off debts, collections (unless instructed to do so after talking with Therese) and don't close any current accounts as that could cause a drop in your credit score!

Don't make any major purchases such as new car or lease, vacations, or new furniture. 

Avoid using cash for a good-faith deposit – cash is difficult to verify. Use funds from your checking or savings account so it can be easily verified.

Do not make any large deposits or transfer funds between accounts or banks without talking with Therese first. Don't close any current bank accounts where your funds for closing are coming from.

Don't open up any new credit cards or loans or co-sign a loan for anyone.