1. Thou shall not change jobs or become self-employed
2. Thou shall not buy a car, truck or van unless you plan to live in it
3. Thou shall not use your credit cards or let your payments fall behind
4. Thou shall not spend the money you have saved for your down payment
5. Thou shall not buy furniture before you buy your house
6. Thou shall not originate any new inquiries on your credit report
7. Thou shall not make any large deposits into your bank account
8. Thou shall not change bank accounts
9. Thou shall not co-sign for anyone
10. Thou shall not purchase anything until (way) after closing
Committing any of these acts can dramatically alter your credit score or debt to income ratios and can even block your chance of closing on your home purchase. Please let us know if you have any questions about any of these items.
