Eight Credit Tips to know about before you apply for a mortgage.

 Best advice: Freeze your financial situation, don’t change jobs or make major purchases, pay your bills on time and save your money !

• Don’t open or close any credit card accounts
• Don’t make a major purchase on credit or with cash
• Don’t open a new cell phone account
• Don’t buy Furniture until after loan closes
• Don’t co sign for anyone
• Don’t consolidate debt
• Don’t pay off collections
• Don’t move or transfer large sums of money in or out of your banking accounts

Ask your loan pro at CTM before you make any changes to your financial situation. It could mean the difference between getting a mortgage loan approval or a decline.