NMLS#: 1025894
Serving all of Utah
Chad Palmer NMLS#299977 | Larry Jacobson NMLS#291938

Do’s and Don’ts

Please Do

INFORM SYNERGY ONE LENDING OF ANY CHANGES TO YOUR PERSONAL INFORMATION

(EMPLOYMENT, MARRIAGE STATUS, CREDIT, DIVORCE, ETC.)

SAVE MONEY

SAVE ALL PAY STUBS

BANK STATEMENTS, W2’S, ETC.

KEEP CURRENT EMPLOYMENT

READ ALL CORRESPONDENCE FROM SYNERGY ONE LENDING

MAKE SURE ALL EARNEST MONEY IS FROM AN ACCEPTABLE SOURCE

(CHECKING, SAVINGS, 401K)

KEEP DOCUMENTATION OF ANY LARGE OR SIGNIFICANT DEPOSITS INTO YOUR BANK ACCOUNTS

NOTIFY US IMMEDIATELY IF YOUR SALARY OR OTHER COMPENSATION CHANGES

CONTINUE TO MAKE ALL PAYMENTS ON-TIME FOR CREDIT CARDS

LOANS AND RENTAL/MORTGAGE, AS AGREED

PROVIDE YOUR HOMEOWNER’S INSURANCE AGENT NAME AND PHONE ATLEAST 10 DAYS BEFORE CLOSING

ASK QUESTIONS AND BE INFORMED

Please Don't

DON’T QUIT OR CHANGE YOUR JOB

DON’T MAKE ANY MAJOR PURCHASES

FURNITURE, APPLIANCES, CAR, ETC

DON’T APPLY FOR NEW CREDIT

“SAME AS CASH” PROCEDURES, ETC

DON’T MAKE ANY LATE PAYMENTS ON YOUR EXISTING ACCOUNTS OR MORTGAGE

DON’T TRANSFER BALANCES BETWEEN ACCOUNTS

DON’T START MAJOR HOME IMPROVEMENT PROJECTS

DON’T MAKE A LARGE DEPOSIT INTO YOUR CHECKING/SAVINGS ACCOUNT

DON’T MAX OUT OR OVER-CHARGE ON YOUR CREDIT CARDS

DON’T WRITE ANY INSUFFICIENT FUNDS CHECKS (NSF)

DON’T CO-SIGN FOR ANOTHER PERSON FOR A LOAN OR LINE OF CREDIT

DON’T DISPUTE ANY CREDIT TRADE LINES OR COLLECTIONS REPORTING ON YOUR CREDIT REPORT

DON’T PAY OFF ANY COLLECTIONS OR LOANS WITHOUT CONSULTING US FIRST