Tina Shields, Sr Loan Officer/Team Lead

Don’t get in a Pickle

Tina Shields, Sr Loan Officer/Team Lead

NMLS #32564

336-823-0560 | tina.shields@movement.com

CREDIT

  1. Don’t make a major purchase (i.e. car, increase lease, boat, jewelry, etc.)
  2. Don’t open new credit cards — even if you’re getting 20% off of your purchase
  3. Don’t buy any furniture
  4. Don’t apply for new credit until AFTER you close on your mortgage
  5. Don’t transfer credit card balances from one account to another
  6. Don’t pay charge offs without a discussion with lender first
  7. Don’t pay collections without a discussion with lender first
  8. Don’t pay off any loans or credit cards without discussing with lender
  9. Don’t close any credit card accounts
  10. Don’t max out or over charge on your credit card accounts
  11. Don’t consolidate your debt into 1 or 2 credit cards
  12. Don’t take out a new loan
  13. Don’t finance any elective medical procedures

INCOME

  1. Don’t quit your job to change industries or start a new company
  2. Don’t switch from a salaried job to a heavily-commissioned job

ASSETS

  1. Don’t change bank accounts
  2. Don’t transfer large sums of money between bank accounts
  3. Don’t forget to pay your bills — even the ones in dispute
  4. Don’t accept a cash gift without filing the proper “gift” paperwork
  5. Don’t make random, undocumented deposits into your bank account
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