Mortgage loan officers are required to update your credit report and re-verify your employment a few days before closing. Doing any of these things may delay your closing and could impact final loan approval.
- Change jobs or become self employed.
- Buy a car, truck or van unless you plan on living in it.
- Use your credit cards excessively or let your payments fall behind
- Spend the money you have saved for your down payment.
- Buy furniture before you close on your house.
- Apply for any credit which adds new inquiries on your credit report.
- Make any large deposits into your bank account.
- Change bank accounts.
- Co-sign for anyone.
- Purchase anything before closing