Have you ever had the terrible experience of having your Home Loan denied? There are many factors involved in getting approved for your loan.

One important facet is knowing what you SHOULD and SHOULD NOT tell your Mortgage Lender. This can MAKE or BREAK your deal!!

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“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

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When applying for a mortgage loan, it’s important to be honest and transparent with your lender. However, there are certain things you should avoid mentioning that could potentially harm your chances of getting approved for the loan. Here are some things you should not tell your lender when applying for a mortgage:

1. Don’t mention any upcoming job changes or career shifts. Lenders want to see stability and consistency in your income, so mentioning any upcoming changes to your employment situation could raise red flags for them.

2. Avoid mentioning any large, unexplained deposits or withdrawals in your bank account. Lenders look for patterns of financial behavior, and any unexplained transactions could make them question your ability to manage your finances responsibly.

3. Don’t mention any plans to make major purchases in the near future, such as a new car or expensive vacation. Lenders want to see that you are financially responsible and able to commit to making your mortgage payments on time.

4. Avoid discussing any past financial issues, such as bankruptcies, foreclosures, or delinquent accounts. While it’s important to be honest with your lender, bringing up past financial troubles could make them hesitant to approve your loan.

5. Don’t mention any ongoing legal disputes or lawsuits that could potentially affect your financial situation. Lenders want to see that you have a stable financial outlook and any pending legal issues could raise concerns for them.

6. Avoid discussing any risky financial investments or business ventures that could impact your ability to make your mortgage payments. Lenders want to see that you have a solid financial foundation and any risky financial behavior could make them question your ability to repay the loan.

In conclusion, it’s important to be honest and forthcoming with your lender when applying for a mortgage loan. However, there are certain things you should avoid mentioning that could potentially harm your chances of getting approved for the loan. By being mindful of what you share with your lender, you can increase your chances of securing the mortgage loan you need.