Achievers Financial Group, Inc. Mortgage loan pre-approvals are subject to several conditions remaining unchanged through the closing and funding of your loan. Be advised that your credit report may be pulled again at closing to ensure no changes have occurred. Some items that can affect your pre-approval: any changes in real estate purchase contract terms: sales price; closing date; deadlines; Adequate valuation from appraisal; conditions or exceptions to appraisal; changes in your financial situation; Increased debt ratios; changes in credit scoring and reported items; New debt or inquiries on your credit; buying/selling of assets; Any collection/lien notifications; Job changes or pay rate changes of any kind; Co-signing on debt for anyone; Making any large deposits or money transfers; Unseasoned funds for a down payment and closing costs. This list is not all-inclusive. Please contact Achievers Financial Group, Inc. before taking actions that could change your financial situation. Each borrower(s) loan balance, fico score, and loan purpose are different. Cash-out refinancing may increase your loan balance and monthly payment. Achievers Financial Group, Inc. will custom tailor a loan for you. This material is not from HUD or FHA and is not approved by HUD or any government agency. Achievers Financial Group, Inc. are not tax consultants or attorneys. Achievers Financial Group, Inc. is affiliated with Achievers Real Estate Services, A Glass Family owned, Full-Service Brokerage since 1991. CalDRE #01174831, CalDRE 01857151, NMLS #358404, NMLS #358681, NMLS #360536.