DOs & DON’Ts

Eyal Tropen - Sr. Loan Officer

NMLS # 874253



DOs & DON’Ts


(tips for a smooth closing)

  • DO respond quickly to our requests for information to avoid delays in the process
  • DON’T deposit cash to your bank account – cash deposits will not be considered available funds
  • DO provide documentation for any non-payroll deposits – gifts from family members require additional documentation
  • DON’T open any new bank accounts or credit card accounts to take out a loan or lease – new accounts will be factored in your Debt-To-Income Ratio (DTI) and will require additional underwriting
  • DON’T let anyone pull or check your credit until AFTER you close on your mortgage – credit inquiries are monitored and will require explanation
  • DO stay current on your existing credit accounts – your credit is monitored throughout the mortgage process
  • DON’T make any major purchases (furniture, car, boat, jewelry) during the mortgage process
  • DO pay off any collections, judgments or tax lens reporting on your credit report
  • DON’T quit or change your job – our underwriters will verbally verify your employment on the day of closing
  • DO call us – we are here to help you throughout the process!

Copyright © 2017. Eyal Tropen NMLS # 874253
American Pacific Mortgage | NMLS #1850
625 4th Avenue, Ste 200 Kirkland, WA 98033 | NMLS # 1055557
Phone: 425-922-1055 | Fax: 855-549-8730 
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WA-MLO-874253, TX, OR, CA-DBO874253 | American Pacific Mortgage supports Equal Housing Opportunity. NMLS ID# 1850 ( | APM is licensed by WA # CL-1850, OR ML-2338, TX SML-1850, and "Licensed by the Bureau of Real Estate, Broker #01215943". All loans subject to credit approval and property appraisal. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. American Pacific Mortgage Corporate Office 3000 Lava Ridge Court, Suite 200, Roseville, CA 95661 | 916.960.1325 | Privacy Policy