Provide your Earnest Money Deposit from your own personal bank account or acceptable gift funds. Please talk to me for additional clarification. This will present a very difficult problem if not managed properly in the beginning.

Notify me of any employment changes such as recent raise, promotion, transfer, change of pay status, for example, salary to commission.

Be aware that a new credit report could be pulled just prior to closing.

Keep originals or be able to access on your employer/bank sites all pay-stubs, bank statements and other important financial documents.

Close or open any accounts or transfer funds between accounts without asking me about the proper documentation required for your loan. For example, before transferring all funds from your savings to your checking.

Deposit any monies outside of your automated payroll deposits, particularly cash or sale of personal property. Many guidelines require substantial documentation as to the source of these deposits.

Change jobs/employer without inquiring about the impact this change might have on your loan.

Make major purchases prior or during to closing such as new car, furniture, appliances, etc. as this may impact your qualifying amount.

By entering your contact information, you are providing express written consent for Portage Bank to contact you at the email and number you provided via telephone, mobile device, automated means like autodialing, text SMS/MMS and pre-recorded messages, even if you are registered on a corporate, state, or federal Do Not Call list. You are also acknowledging and agreeing to our tems of service and privacy policy. Consent is not required to use our services.