The Ten Commandments of Home Lending in 2012     Thou shalt understand, foremost, that this transaction will be unlike any of its predecessors. Thou shalt willingly subject thyself to a wrath of diabolically voluminous, redundant and confounding disclosure forms. Thou shalt prepare to provide exhaustive documentation for thine income, asset and credit histories. Thou shalt not take on new credit or debt once thy loan process has begun, nor shall thy attempt to "clean up" or perform do-it-thyself credit repair once thy loan is approved. Thou shalt apply thy hand and seal to letters of explanation for any and all credit inquires made during thy loan process. Thou shalt forgive thy Lender for being forced to use sign language and smoke signals to order an appraisal, and thy shall install a carbon monoxide detector in thine abode before inspection. Thou shalt provide a paper trail for every non-payroll deposit into any of thy bank accounts, from today’s date back to the time of the Book of Genesis. Thou shalt not covet, nor co-sign for, thy neighbor's motorcycle, or anything else, for that matter. Thou shalt remember that thy Lender must pull a prior-to-funding credit report to appease the Agency Gods. Thou shalt not take thy Lender's name in vain.  Thou hast been warned.                                    Robert J. Spinosa Home Loan Professional DRE: 01297944 NMLS: 22343 1058 Redwood Highway Mill Valley, CA 94941 877.270.5959 Toll Free 415.367.5959 Cellular 415.366.1590 eFax rspinosa@rpm-mtg.com