Shopping For Your Home Loan: Hud'S Settlement Cost Booklet - U.s. Department Of Housing And Urban Development (Hud) Page 47
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48THE DO LIST
•
Shop for your loan.
•
Interview real estate agents, mortgage brokers, lenders and other settlement
service providers to find the best professionals for your loan and settlement
needs.
•
Be sure to read and understand everything before you sign anything.
•
Accurately report your debts.
•
Be honest about all sources of funds you will use to purchase your home.
•
Be upfront about any credit problems you have or have had in the past.
•
Be wary of unsolicited loan or refinance offers that you receive in the mail or
through e-mail.
•
Always pay your mortgage payment on time, even if you are having a dispute
with your loan servicer.
•
If you are having problems paying your mortgage, contact your loan servicer
immediately.
THE DON’T LIST
•
Do not sign blank documents.
•
Do not overstate your income.
•
Do not overstate your length of employment.
•
Do not overstate your assets.
•
Do not change your income tax returns.
•
Do not list fake co-borrowers on your loan application.
•
Do not provide false documentation or permit someone to provide false
documents about you.
47
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