THIS IS VERY IMPORTANT SO PLEASE READ AND TAKE HEED!

Your mortgage pre-approval is crucial, so listen up! It was based on the funds and debts you had when you were approved, such as those in your savings, checking, and retirement accounts, as well as any outstanding debts such as car payments, student loans, or existing mortgages.

Between now and closing, abstain from splurging on items like TVs, cars, or furniture, as the lender will check your credit once more right before closing. It's best to limit your spending during this period to boost your chances of getting the mortgage approved.

Ensure timely payments of all your bills, avoid opening or closing credit accounts, taking on new loans, extravagant vacations, or paying off existing debts. Even seemingly minor purchases like a couch or TV can impact your loan approval if charged to a credit card. For a comprehensive list of what to avoid, refer to Things Not to Do.

Hold off on making any major purchases until after the closing for a stress-free celebration. When in doubt about a purchase affecting your mortgage eligibility, consult your lender.