Win-Win Consulting Group Inc.

Thank you for choosing Melissa and her Team as your mortgage originator. From now until you close, there are some things (listed below) that you should be aware of when it comes to getting your property financed to ensure a smooth and quick loan process:

感谢您选择Melissa团队作为您的贷款经纪，从现在开始到贷款放款，下面事情需要注意：

1. Do not change or terminate your job before and during applying for a home loan. It is strongly recommended that you maintain your income level. 不要更换工作

2. Do not get an auto loan/lease a car right before loan application. Buying/leasing one creates additional liability. 在办理房屋贷款之前或者之中都不要买车或者租车，即使现金全款买车都可能因为car dealer查信用影响信用分数

3. Do not incur huge expense on your credit cards. 信用卡不要欠债太多

4. Make sure to disclose all your properties (including time share), even if they are paid-off or not financed. 请告诉我们名下全部房产，即使没有房贷或者外州的房产都要披露

5. Make sure to disclose all businesses owned, on your loan application. 请告诉我们拥有股权的全部公司

6. Do not make large deposits (especially cash) into your bank accounts. Lenders must source all deposits to comply with Federal Anti-Money Laundering Regulation. 在贷款期间不要存大笔金额到银行账户，尤其是现金，如果首付不够或者有金钱移动，请先咨询我们

7. If any gift funds required, make sure to consult with us before moving funds around. 如果有金额赠与。先不要移动金钱，请先咨询我们

8. The bank accounts that we disclosed to lender will be used towards closing. Do not spend your closing money in those accounts. Any funds from undisclosed bank accounts cannot be used towards closing. 提供给我们的银行账户，请不用有大额款项进出，任何没有提供给我们的账户都不能用于close，任何不确定的金钱移动，请先咨询我们

Please do not hesitate to call, text, wechat, or email us if you have any questions or concerns!

如果有任何关于贷款的问题，或者不确定的操作，请随时联系我们，我们一定会第一时间给您回复！

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