Please so not make any major purchases during or prior to closing (i.e., new car, furniture, appliances, electronics) even if you are near closing and are excited about moving in, because this might impact your qualification. Do not obtain new credit including credit cards, signature loans, etc., during the loan process. You will be asked at closing if you have made any changes to your credit profile and you will have to sign a document about any undisclosed debt. It is important not to apply for other loans, credit cards or have multiple credit pulls since this can impact your credit score. Your credit score is how your rate, debt to income is calculated, so this can mean that you could turn an approval into a denial with those types of changes. Often, we must update and re-pull credit or the bank will just update the credit report and if these changes are significant enough, it could have a major impact on your ability to close your loan. Even closing an open credit line (especially your oldest credit card) can lower your credit score and impact your loan. Always ask first before making any assumptions or taking that step. If it is an emergency, we can usually work out, but I need to know so please allow me to guide you.