Ask for gift funds early
If family is helping with your down payment, we'll need a signed gift letter and a record of the transfer. Plan it before you're in escrow.
Get insurance quotes before you make an offer
In coastal and wildfire areas, homeowners insurance can be costly or hard to find. A quick quote helps you budget.
Ask about HOA rules and dues
For condos and townhomes, the HOA's finances and rules can affect your loan. Ask for the HOA name early.
Keep your old statements
If you closed an account or moved money, keep those statements. We may need them.
Plan your closing-day money
Closing funds are usually wired. Confirm wire instructions by phone with your escrow company, using a number you already know.
Think about the long term
If you might move or refinance in a few years, the lowest upfront cost may matter more than the lowest rate. We'll compare both.
Related: 12 Mortgage Mistakes to Avoid · Wait... I Have to Pay Closing Costs?