"Don't" make it hard on yourself. It's not exactly rocket science, but applying for and securing a home mortgage has some specific Don'ts!
Don't Make Major Purchases
Leave your money right where it is (same bank, same account) until your loan is closed.
Don't Move Your Money
A high-ticket consumer purchase, like a car or home theater system, can torpedo your ability to afford a home. Increasing your consumer debt could jeopardize your loan approval.
Don't Change Jobs
Changing jobs before or during the loan process will slow your loan approval. If you are an hourly employee, don’t cut back on your hours.
Don't Pay Off Bills
If it’s necessary to pay off bills to help you qualify for a loan, your loan officer will notify you. Don’t increase your credit card allowances.