You found the house, got the offer accepted, and now you’re counting down the days until you get the keys. But here’s the part a lot of buyers don’t realize…
Your mortgage still isn’t fully safe until closing day.
Lenders continue reviewing your finances right up until the deal closes, and even small changes can create delays or completely derail your approval.
Here are 10 things you should avoid during the closing process:
1️⃣ Don’t finance furniture or appliances
I know it’s tempting to start shopping for the new house, but new debt can change your approval numbers fast.
2️⃣ Don’t switch jobs
Even a better job or different pay structure can create extra conditions with the lender. Maintain employment stability until the keys are in your hand.
3️⃣ Don’t move money around unnecessarily
Large transfers between accounts can create red flags and require extra paperwork to satisfy underwriters.
4️⃣ Don’t deposit large amounts of cash
If the lender can’t properly track and source exactly where the money came from, it can become a major issue for your down payment approval.
5️⃣ Don’t co-sign for anyone
Even if you’re just helping a family member out, that debt now legally counts against your own borrowing capacity.
6️⃣ Don’t let your credit score slip
Missed payments or high balances right before closing can hurt your final approval. Lenders will do a final credit check.
7️⃣ Don’t apply for new credit
No new credit cards, car loans, or lines of credit until after you close. Keep your credit profile frozen.
8️⃣ Don’t disappear during closing week
Your real estate and mortgage team, or your lawyer, may need documents quickly. Delays in communication can push back your closing date.
9️⃣ Don’t switch insurance providers last minute
Changing home insurance policies late in the process forces the lender to rewrite paperwork, delaying final mortgage documents.
🔟 Don’t underestimate closing costs
Legal fees, land transfer taxes, title insurance, and property tax adjustments add up quickly. Always keep a financial cushion.
📌 The best thing you can do before closing?
Keep everything stable — your job, your credit, and your bank accounts.
A smooth closing isn’t just about getting approved… it’s about staying approved.
If you’re planning to buy, refinance, or renew and want to make sure you’re set up properly from the start, reach out anytime.
From Loan to Home — Your Trusted Path to Ownership. 🏡