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These are some of the things that homeowners and borrowers must try to adhere during the refinancing or home buying process:

• Do check your credit report yourself. So much is depending on the scores and the content of the credit report. Eliminate any surprises early on during the process such as unknown collections, late payments, judgement or tax lien.
• Do your shopping for mortgage rates within the first 30 days of loan application. This will reduce the impact on the credit scores and makes it easier for us to explain on all those inquiries.
• Do not open a new trade line, apply for a new credit card, departmental store, auto loan or anything that will impact the credit scores and create more liabilities.  In today's strick underwriting guidelines, borrower's Debt-to-Income (DTI) ratio must no go over 50% with 45% being preferred.
• Do not close any of your existing accounts especially those with more than 3 years credit history.  If you are unhappy with the credit vendor - wait until your financing is done, then close the account.  
• Do not quit your job. You may change job within the same field provided that it's at least a lateral move.
• Self-employed - Do talk to us first before you even started. Self-employed borrowers require special attention.
• Do keep the funds in the bank untouched until after closing.
• Do not make any large deposits (defined as more than $500) other than payroll checks without paper trail. By that I mean, I need to see a copy of the check and where does it come from.
• Do get your Pre-Approval before going house hunting.
• Do have these items on the checklist readily available.