03/25/2026
Don’t Do This Before Closing It Can Kill Your Deal.
1. Don’t Open New Credit
When you open a new credit card or loan, your credit score can drop and your debt increases.
👉 Lenders re-check your credit before closing, and even a small change can affect your approval.
2. Don’t Make Big Purchases
Buying things like a car, furniture, or expensive items increases your debt-to-income ratio.
👉 That can make you look riskier to the lender and they might deny or change your loan.
3. Don’t Change Jobs
Lenders want to see stable, consistent income.
👉 Changing jobs (even for more money) can delay the process or make the lender re-evaluate your entire application.
Lenders check everything again before closing…
Don’t let small mistakes slow you down.
Stay patient, stay focused…
Your new home is right around the corner.