Below are a few reminders of "dos" before you close on your loan. If you are uncertain about what to do, please call our office for guidance.

• DO bring a cashier's check made out to the title company if your amount due is over $1500.
• DO notify us if your salary or other compensation changes from what is noted on your loan application.
• DO inform us if your address changes from what appears on our original loan application. We will complete rental or mortgage verification for all your residences within the last two years.
• DO obtain homeowners insurance with minimum coverage equal to the amount of your total loan or the replacement value of the house. Call my office (1-800-EXPRESS) with your agent's name and phone number at least 10 days before closing.
• DO keep documentation (or "paper trail") on any large deposits into your account. A "paper trail" is composed of the copies of all paperwork necessary to prove a financial transaction: copies of all checks, deposit slips, loan paperwork, forms to liquidate assets, etc.
• DO notify us if you move funds from one account to another. Provide a "paper trail" on transactions.
• DO make sure you have a clear termite report on the property if you are doing a FHA or VA loan (for conventional loans and alternative loans this is optional). If the termit report is not clear, provide a receipt for treatment that shows the chemicals and the amount used for treatment.

Click here to find out what NOT to do.