Quontic Bank - Certified CDFI Lender | Member FDIC | Equal Housing Lender[cite: 64, 67] Quontic Bank - 认证 CDFI 贷款机构 | Member FDIC | Equal Housing Lender[cite: 64, 67]

Mortgage Process Do's & Don'ts[cite: 63] 抵押贷款流程须知[cite: 63]

Ensure a smooth and hassle-free closing by following these crucial guidelines during your mortgage application process. 在抵押贷款申请过程中遵循以下关键准则, 确保顺畅无忧的贷款交割。

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Do's[cite: 65] 应该做[cite: 65]

  • Do continue to make all payments on time for credit cards, loans, and rent/mortgage.[cite: 68] 应该 继续按时支付所有信用卡, 贷款和租金/房贷。[cite: 68]
  • Do make the down payment with a personal check. (Keep memo blank).[cite: 69] 应该 使用个人支票支付首付。(保持备注栏空白)。[cite: 69]
  • Do save all pay stubs, bank statements, W2's.[cite: 70] 应该 保留所有工资单, 银行对账单和W-2表格。[cite: 70]
  • Do make sure all earnest money is from an acceptable source (i.е. Checking, savings, 401K).[cite: 71] 应该 确保所有诚意金均来自可接受的来源(即支票账户, 储蓄账户, 401K)。[cite: 71]
  • Do notify us immediately in your salary or other compensation changes.[cite: 72] 应该 如果您的薪水或其他报酬发生变化, 请立即通知我们。[cite: 72]
  • Do keep documentation of any large or significant deposits into your bank accounts.[cite: 73, 74] 应该 保留银行账户中任何大额或重大存款的证明文件。[cite: 73, 74]

Don'ts[cite: 66] 不该做[cite: 66]

  • Don't run credit or open any new credit! (Car loans, Credit cards, personal loans).[cite: 78] 不要 查询信用记录或开立任何新信用账户!(汽车贷款, 信用卡, 个人贷款)。[cite: 78]
  • Don't accept any gifts from a business. (Gifts can only be accepted in the form of personal check. We cannot accept cash or bank checks).[cite: 79] 不要 接受企业的任何赠款。(赠款只能以个人支票的形式接受。我们不接受现金或银行支票)。[cite: 79]
  • Don't transfer money into accounts or close any accounts.[cite: 80] 不要 在账户之间转移资金或关闭任何账户。[cite: 80]
  • Don't make large cash deposits.[cite: 81] 不要 进行大额现金存款。[cite: 81]
  • Don't change your job.[cite: 82] 不要 换工作。[cite: 82]
  • Don't Co-sign for another person on a loan or line of credit.[cite: 83] 不要 为他人的贷款或信用额度做担保(联合签名)。[cite: 83]
Ivan Lin

IVAN LIN[cite: 85]

LOAN OFFICER[cite: 86] 贷款顾问[cite: 86]

NMLS#: 2462401[cite: 88]

Questions Or Concerns? Please Reach Out To: 有任何疑问或顾虑?请联系: [cite: 84]

Mobile:手机: 646-866-8728 | Email:邮箱: ivan.lin@quonticbank.com [cite: 87, 89]