Guidelines for a Seamless Loan Approval
To help avoid delays with your loan approval, below is a list of tips that will help you avoid the more common pitfalls during the loan process.
Do's
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Stay in touch: Keep an eye on your email and voicemail and respond when you can to keep things moving smoothly.
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Keep paperwork nearby: Hang on to financial documents and new paystubs as they come in.
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Expect a few extra requests: Lending rules have changed, so we may ask for more documentation than you expect—but there’s always a reason.
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Share changes right away: Let us know if your income changes, you receive a collection notice, or anything unexpected comes up.
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Save your statements: Keep complete bank statements (yes, even blank pages!) and note any non-payroll deposits.
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Planning on gift funds? Tell us early—gift funds just need a signed gift letter and proof of where the funds came from.
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Keep housing on track: If you’re renting, continue paying rent on time and save proof of payment.
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Getting ready to move? If you’re selling or renting out a home, we’ll help you know what documents to have ready.
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Protect your credit: Keep making payments on time—your credit is checked through closing.
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Travel plans? Let us know if you’ll be out of town around closing day.
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We’re here for you: Questions pop up—just give us a call. We’re happy to help!
Don'ts
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Don’t hesitate to ask questions — we’re here to help, even if you’re just getting started.
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Don’t take on new debt or make big purchases during the process.
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Don’t open, close, or move credit accounts without checking with us first.
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Don’t pay off collections or charge-offs unless we advise you to do so.
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Don’t start new loans, leases, or co-sign for anyone.
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Don’t allow new credit checks until after your loan closes.
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Don’t change banks or open/close accounts during the loan process.
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Don’t make large or undocumented deposits — avoid cash and keep records handy.
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Don’t delay selling investments if you’ll need those funds for closing.
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Don’t change jobs or income status without letting us know first.
InterLinc Mortgage provided exceptional quality and timely service! Very satisfied!
08/11/2026
Working with heather and her team was alot easier than the previous lender. We have given her info to all our veteran friends starting the process
08/11/2026
heather saved us from a bad lender and got us our dream home the other lender said we could not have easy process. easy to work with
08/11/2026
Working with heather and her team was alot easier than the previous lender. We have given her info to all our veteran friends starting the process
Black, AL, 08/8/2026
Interlinc was wonderful to work with. Jennifer M and her team were fabulous. Kept us well informed and up to date with everything. Explanation videos were super helpful, thank you all so much!
08/7/2026
