Do's & Dont's

At Exhale Lending, we believe that with enough time, almost anything can be managed in mortgage lending. However, it's essential to be mindful of certain actions that can potentially impact your loan eligibility, such as taking on a large debt, buying a car, or changing jobs.

To ensure a smooth and stress-free experience, we urge to follow these simple Do's and Don'ts. And remember, when in doubt, don't hesitate to give us a call. We're here to help you navigate the complexities of the mortgage process and provide the guidance you need.


  1. Keep working hard and do not change jobs or request a sabbatical.

  2. Do keep paying your bills on time. In fact, try to set them all up on auto-pay if you have not done so already.

  3. Try to keep saving, even if you don't need to. You won't regret the additional savings post-closing.

  4. Do call us if you have any questions, comments or concerns!


  1. Do not apply for any new credit in the coming weeks until your loan has closed and recorded, and even then, wait a week or two.

  2. Do not make any large Credit Card purchases (other than for inspections, appraisal purchases and other loan/home purchase items).

  3. Do not make any large deposits into your accounts until we talk first.

  4. Do not transfer funds between accounts until we have seen your bank statements and worked out a strategy.

  5. Do not open any new bank accounts.