1. Thou shall not change jobs or become unemployed.

 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 payment 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. If you will receive a gift, talk with us first.

 8. Thou shall not change bank accounts.

 9. Thou shall not co-sign for anyone.

10. Thou shall not purchase anything until (WAY) after the closing.


*Committing any of these acts can dramatically alter your credit score or debt to income ratio and can even block your chance of closing on your home purchase.


For more details see the full article here.