--- title: 8 Things to Avoid During the Home Loan Process description: Learn how you can help your clients avoid these 8 home buying mistakes so they can close on a home faster. image: https://blog.churchillmortgage.com/hubfs/Agent%20Resources%208%20Things%20Blog.jpg --- [![logo](https://blog.churchillmortgage.com/hubfs/Agent%20Resources%20-%20H.png)](https://www.churchillmortgage.com/agent-resources) [Tools to Grow](https://www.churchillmortgage.com/agent-resources/guides) [Free Templates](https://www.churchillmortgage.com/agent-resources/templates) [Articles](https://blog.churchillmortgage.com/agent-resources) [Connect with Us](https://www.churchillmortgage.com/agent-resources/connect) ![](https://blog.churchillmortgage.com/hubfs/images/headshots/loan-officers/Kevin-Watson.jpg) ## Churchill Mortgage Home Loan Specialist | NMLS:  123456 [Check My Rate](https://www.churchillmortgage.com/home-buyer-edge) [Apply Now!](https://blog.churchillmortgage.com/agent-resources/8-things-to-avoid#) [Office: 888-562-6200](https://blog.churchillmortgage.com/agent-resources/8-things-to-avoid#) [Mobile: 888-562-6200](https://blog.churchillmortgage.com/agent-resources/8-things-to-avoid#) [Fax: 888-562-6200](https://blog.churchillmortgage.com/agent-resources/8-things-to-avoid#) ![Home Buyer Edge Program Logo by Churchill Mortgage](https://blog.churchillmortgage.com/hubfs/images/logos/hb-edge-white.png) Get the edge over other buyers, and a $10,000 seller guarantee [I Want the Edge!](https://www.churchillmortgage.com/home-buyer-edge) [LO's Website](https://blog.churchillmortgage.com/agent-resources/8-things-to-avoid#) [ Schedule a Call with Calendly](https://blog.churchillmortgage.com/agent-resources/8-things-to-avoid#) [ Home Buyer Edge](https://www.churchillmortgage.com/home-buyer-edge) [ Submit an Application](https://blog.churchillmortgage.com/agent-resources/8-things-to-avoid#) 1749 Mallory Lane, Suite 100, Brentwood, TN 37027 # 8 Things to Avoid During the Home Loan Process --- [Real Estate Business Tips](https://blog.churchillmortgage.com/agent-resources/tag/real-estate-business-tips), [Home Buyers](https://blog.churchillmortgage.com/agent-resources/tag/home-buyers) ## **DO NOT** let your home buyers do these 8 things during the home loan process.   When your clients are ready to apply for a mortgage, it's important to know that certain factors can cause a loan application (or pre-approval) to become derailed. As their agent you can help guide them to make smart choices during the home buying process and avoid a loan stall out. By doing small things up front and helping your clients avoid the following 8 things, you can help your clients move forward with a successful loan application.   OUR TOP 8 DON'Ts 1. *Change jobs or companies while in process to buy a home. All major life changes need to happen after closing. If this does happen, have your client reach out to their Home Loan Specialist right away.* 2. * Open any new accounts, such as credit cards, lines of credit, student loans, cell phones, or even another mortgage while they are in process of buying a home. * 3. *Deposit any monies outside of their typical payroll into any of their bank accounts. * 4. * **Co-sign for another loan or liability for a family member, friend or business. * 5. * **Make late payments on any bills during the loan process.* 6. *Make any major purchase, sale, or other financial decisions until after closing. This includes home appliances and furniture.* 7. *Change bank accounts. If your client changes banks after their initial pre-approval, they will have to resubmit their assets which may require additional document and letter of explanation. Or a mortgage underwriter could require a new set of bank statements before closing. * 8. *Pay off any charges or collections (unless directed by their Home Loan Specialist to do so).*   Unfortunately, if your client makes one of these mistakes, they can still be denied for a mortgage even after being pre-approved. It's best to have your client become a Churchill Certified Home Buyer. By becoming certified they'll be able to have their financial documents reviewed by an actual underwriter allowing their home loan to be conditionally approved for financing on a new home.  No one likes surprises during the home buying process. With upfront underwriting, a bulk of the lending legwork will be done early in the process which makes the home buying process quick and smooth once you've found your client the perfect home. ![CHB Realtor Blog Image](https://blog.churchillmortgage.com/hs-fs/hubfs/CHB%20Realtor%20Blog%20Image.jpg?width=1086&name=CHB%20Realtor%20Blog%20Image.jpg) If you have any questions about the do's and don'ts of the home loan process to help your clients even further, please connect with a Home Loan Specialist.     The Churchill Certified Home Buyer program is not a commitment to lend funds and is not an approval but is a conditional approval subject to your acceptance of the terms and the conditions being fully satisfied prior to closing. All conditions are subject to final underwriting and final investor approval. The certification is subject to the financial status and credit report(s) of everyone on the application remaining substantially the same until closing, an acceptable contract of sale on a suitable property, collateral (the appraisal, title, survey, condition, and insurance) satisfies the requirements of the lender and loan selected is still available in the market. All closing conditions of the lender must be satisfied including the clear transfer of the title, acceptable and adequate title and hazard insurance, flood certification, and any inspections that are required by the real estate contract. The Certified Home Buyer and Rate Secured programs are not available at all locations. ---         First Name* Please Enter a Name Last Name* Please Enter a Last Name City Name* Please Enter a Valid City Name State You're Licensed In* Please Select A State... 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By participating, you consent to receive text messages sent by an automatic telephone dialing system. Consent to these terms is not a condition of purchase. ### Want To Work With Churchill Mortgage? ![social proof logos](https://blog.churchillmortgage.com/hubfs/images/social-proof/2025-Social-Proof-Banner-greyscale.png) Agent Resources is created and managed by Churchill Mortgage, NMLS: 1591. Churchill Mortgage Corporation, NMLS #1591 is an Equal Housing Lender - ©2020 All Rights Reserved. Programs are for select loan types only and are not available in all states or locations. 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