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"A few years ago as a newly licensed agent, I was fortunate enough to meet Eric Moody.  I truly believe that I would not be as successful in this business without this connection.  He is knowledgeable, honest, hard working and sincerely cares about his clients.  I have referred many clients to Eric over the years and he always gets the job done for them.  I have used him personally as well.  If he is on the job, I can be assured that the closing will be smooth & on time.  I have had clients start with other lenders or on-line services to try to “get the best rate” but they always end up with Eric in the end – and with the best rate.  You can count on his professionalism & integrity every step of the way.  He is truly an asset to his profession."

Teri Ehrlich, ABR, e-Pro
Keller Williams Atlanta Partners

 
Eric Moody, Covenant Mortgage Corporation
 
Loan in Process

A Few Reminders of “DO’ S & DON’TS”  Before You Close on Your Loan

 

DO bring a cashier’s check made out to the title company for your closing costs. You can bring a personal check to closing for $500 or less.

 

DO notify us if your salary or other compensation has changed from what has been noted on your loan application.

 

DO inform us if your address changes from what appears on your original loan application. We will complete rental and mortgage verification for all of your residences within the last two years.

 

DO obtain homeowner’s insurance with minimum coverage equal to the amount of your total loan or the replacement value of the house. Call our office with your agent’s name and phone number at least 10 days before closing.

 

DO keep documentation (or a “paper trail”) on any large deposits into your account. A “paper trail” is copies of all paperwork necessary to prove financial transaction: copies of all checks, deposit slips, loan paperwork, forms to liquidate assets, etc.

 

DO make sure you have a clear termite report on the property. If the termite report is not clear, provide a receipt for treatment that shows the chemicals and the amount used for treatment (upon request).

 

DON’T acquire any additional credit lines or make any large purchases on existing credit without first consulting us. For example: Purchasing a car or buying appliances for your new home will change your debt to income ratios.

 

DON’T change jobs without consulting us. A change in compensation may affect your ability to qualify. Borrowers must have a two year history of bonus and/or commissions to be counted as income. Lenders may verify employment on the day of closing as a quality control check.

 

DON’T co-sign with anyone to obtain a line of credit or make a purchase. The payment will show up on your credit report as an additional debt.

 

DON’T negotiate your contract with an allowance and expect to get money back at closing. An allowance can be used to pay closing costs and/or prepaids.

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© 2014 EVERETT FINANCIAL, INC. D/B/A SUPREME LENDING (NMLS ID #2129) at 14801 Quorum Dr., #300, Dallas, TX 75254.
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