Mortgage Do’s and Don’ts

  1. Don’t apply for new credit of any kind

  2. Do keep all current credit accounts open

  3. Don’t Max out current credit cards or overcharge on credit cards

  4. Do maintain your current employment

  5. Don’t consolidate debt

  6. Don’t pay off judgements, collections, or tax liens

  7. Don’t make any large purchases

  8. Do stay current on your existing accounts

  9. Don’t make any large deposits into your accounts

  10. Do ask questions of your Excel Loan Officer before you do anything that could affect your credit