Do’s and Don’ts To Get Final Loan Approval
When you are buying your first home, it is important to be prepared for the process and understand what to expect. The following are some tips for first time homebuyers buying a home in the Dallas area.
Be aware that the mortgage can be denied after pre-approval for reasons that are common such as change of employment, negative item on credit, additional debt(s), issues with the appraisal, etc. It’s important to work closely with your Loan Officer to avoid any surprises and make sure you have everything in order.
Your loan officer will be guiding you through the process and help you get final loan approval.

While in the final home loan approval process, there are common DO’s and DON’Ts that you need to be aware of.
The DO’s:
- • DO: Keep copies of the documents your lender requests.
- • DO: Send your lender and title company any and all amendments/changes *must go to appraiser!!*
- • DO: Discuss ANY employment changes (even promotions) with your lender.
- • DO: Discuss any large/cash deposits with your lender.
The DON’Ts
- • DON’T: Make any LARGE purchases or transfer money until discussed with Loan Officer.
- • DON’T: Open any additional credit tradelines or cosign until discussed with Loan Officer.
- • DON’T: Pay off/close any credit tradelines until discussed with Loan Officer.
- • DON’T: Accept job changes/promotions/ RETIRE until discussed with Loan Officer.
By following these tips, you can increase your chances of getting final loan approval and buying the home of your dreams.
Looking to buy a home in the Dallas-Fort Worth area?
Call/Text 214.940.8149
As your Realtor®, I want to help you find the perfect home, whether it’s a new construction home or an existing one. If you’re a first time homebuyer, or relocating to the Dallas area and need help finding a new home I’ll guide you through the process and help find the best home for your needs.

Check out my other articles for more helpful information about the home-buying process.
For many, buying a home for the first time can seem like a daunting task. Rest assured, it doesn’t have to be, and I’ve got you covered! Being a confident home buyer starts by understanding the simple basics and increasing your awareness of what to expect during the home buying process. Once you become an informed first-time homebuyer, you will reduce your stress, increase your confidence, and be one step closer to owning your first home.
Get your home buying jump-start right now by checking out my other articles linked below.
– The Process Of Buying A House in Dallas Texas
– How Long Does It Take To Buy A House in Dallas?
– Professionals You Deal with When Buying a House
– 6 Reasons Why You Need A Realtor® To Buy A Home In The Dallas Area
– Pre-qualified vs Pre-approved
– What Documents Do You Need To Apply For A Mortgage?
– Do’s and Don’ts After Applying for a Mortgage
– What Happens Next After You Sign a Home Purchase Contract?
– Closing on a Home in Dallas Texas – What to Expect and How it Works. Step-by-Step Guide
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The Buyer’s Agent Duty
READ: Texas Real Estate Commission Information About Brokerage Services
AS AGENT FOR BUYER/TENANT: The broker becomes the buyer/tenant’s agent by agreeing to represent the buyer, usually through a
written representation agreement. A buyer’s agent must perform the broker’s minimum duties above and must inform the buyer of any
material information about the property or transaction known by the agent, including information disclosed to the agent by the seller or
seller’s agent.
A BROKER’S MINIMUM DUTIES REQUIRED BY LAW (A client is the person or party that the broker represents):
– Put the interests of the client above all others, including the broker’s own interests;
– Inform the client of any material information about the property or transaction received by the broker;
– Answer the client’s questions and present any offer to or counter–offer from the client; and
– Treat all parties to a real estate transaction honestly and fairly.