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Credit Facts

Below is a list of helpful tips to ensure an effortless loan process. These DOs and DON'Ts will help avoid any delays with your loan approval.




  • DO continue making your mortgage or rent payments
  • DO stay current on all existing accounts
  • DO keep working at your current employer
  • DO keep your same insurance company
  • DO continue living at your current residence
  • DO continue to use your credit as normal
  • DO call us if you have any questions




  • DON'T make a major purchase (car, boat, fur, jewelry, etc.)
  • DON'T apply for new credit even if you seem "pre-approved"
  • DON'T open a new credit card
  • DON'T transfer any balances from one account to another
  • DON'T pay off charge offs without discussing with us first
  • DON'T pay off collections with discussing with us first
  • DON'T buy any furniture
  • DON'T close any credit card account
  • DON'T change bank accounts
  • DON'T max out or over charge your credit card accounts
  • DON'T consolidate your debt onto 1 or 2 credit cards
  • DON'T take out a new loan
  • DON'T start any home improvement projects
  • DON'T finance any elective medical procedure
  • DON'T open a new cellular phone account
  • DON'T join a new fitness club
  • DON'T pay off any loans or credit cards without discussing with us first
  • DON'T co-sign any loans or credit cards for anyone (including family members)

If you encounter a special situation, it is best to mention it to us right away so we can help you determine the best way to achieve your goals.

Catalyst Lending, Inc. NMLS #18812 CO-Regulated by the Division of Real Estate
6530 S Yosemite Street, Suite 310, Greenwood Village, CO  80111
Direct:  (303) 843-4540
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