It's understandable; you're excited; you've found the right home, we have helped you negotiate a contract, you made a loan application and the house passed inspections. Closing is not that far away, and you are making plans to move and put personal touches on your new home. It is so easy to get caught up in the dreaming and planning for after the closing!
Even if you have an initial approval on your mortgage, little things can derail the process which isn't over until the papers are signed at settlement and funds distributed to the seller. The lender will usually do verifications on your credit score and your employment status just prior to the closing to determine if there have been any material changes to the borrower's credit or income that might disqualify the borrower. Lenders do not want to see changes in your financial situation, even small changes that may seem insignificant to you.
Most lending and real estate professionals recommend:
Don't do anything that would affect your credit or income while you're waiting to sign the final papers at settlement. That new furniture won't do any good if you can't put it into the house you are trying to purchase.
Thank you for visiting today. If this is your first visit, take your time and look around. I have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how I can serve all your real estate needs.