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If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact
8001 Irvine Center Drive, Suite 400
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Email John Rygiol
Ann Arbor, Belleville, Brighton, Canton, Chelsea, Commerce, Dexter, Farmington Hills, Green Oak, Hamburg, Hartland, Highland, Howell, Manchester, Milan, Milford, Northville, Novi, Plymouth, Pinckney, Saline, South Lyon, Walled Lake, West Bloomfield, Whitmore Lake, Willis, Wixom, Ypsilanti
LIVINGSTON COUNTY: Brighton, Green Oak, Hamburg, Hartland, Howell, Lakeland, Pinckney
OAKLAND COUNTY: Commerce, Commerce Township, Farmington, Farmington Hills, Highland, Keego Harbor, Milford, New Hudson, Novi, Novi Township, Orchard Lake, South Lyon, Union Lake, Walled Lake, West Bloomfield, Wixom, Wolverine Lake
WASHTENAW COUNTY: Ann Arbor, Barton Hills, Bridgewater, Chelsea, Delhi, Dexter, Dixboro, Dover, Hudson Mills, Lima Center, Loch Alpine, Lodi Township, Manchester, Milan, Podunk, Rawsonville, Salem, Saline, Scio, Scio Township, Sharon, Sharon Hollow, U of M, Webster, Whitmore Lake, Whittaker, Willis, Willow Run, Ypsilanti
WAYNE COUNTY: Belleville, Canton, Northville, Plymouth
Send an Email to Jonathan Boyd
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Purchasing a Home? Some Things You Should NOT Do.
Don't make any major purchases such as a new car, expensive electronics or appliance, or anything else that you cannot pay cash for. The extra payments may prevent you from getting a loan.
Don't move money from one account or investment to another. One of the things a lender is concerned about is the source of funds for your down payment and closing costs. The lender will ask for statements for the last 3 months for all your bank and investment accounts and even your company 401K and retirement accounts.
Lenders like to see what is referred to as "seasoned money", that is, money that has been accumulating in an account over a period of months or years. If your bank account has a large deposit that was made less than 3 months ago they may think the money was a loan from a relative who is trying to help you qualify for a loan. Then you will have to prove where the funds came from which can be a time consuming process.
Please, leave your money where it is until you talk to a loan officer. And don't move a significant amount around without letting the lender know about it in advance.