Review your credit utilization rate before applying. Lenders prefer to see you using less than thirty percent of your available credit, which can strengthen your credit score and improve your loan options.                                                                               

It’s hard to let go of a place full of memories, but detaching helps you move forward with clarity. Treat your home like the investment it is and trust the process to get top dollar.

Keep your accounts steady while your loan is being reviewed. Lenders verify all financial activity, so check with your lender before making deposits, withdrawals, or transfers to keep your mortgage approval on track. 

Tips Tuesday for Sellers:  Saying yes to more showings means more eyes on your home. A little flexibility can go a long way toward attracting the right buyer and getting sold sooner.

Ask your lender if your loan includes a prepayment penalty for paying off or refinancing early. Confirm the details with your lender to avoid unexpected costs and understand the terms before you sign

Be upfront about known issues buyers will find them during inspections anyway. Honesty builds trust and keeps your sale on track.

Mortgage Monday Tip:  Many buyers are purchasing now and planning to refinance when rates drop. Refinancing can lower your payment, shorten your loan term, and save money over time when the timing is right.

Your lender won’t finalize the loan until the home is confirmed to be worth the contract price. If it comes in low, you may need to renegotiate or bring extra funds.