- Thou shalt not change jobs, become self-employed, or quit your job: Employment changes disrupt lender underwriting.
- Thou shalt not buy a car, truck or van (unless you want to live in it). Large debits alter your debt-to-income ratio
- Thou shalt not use credit cards excessively or let account fall behind: keep usage normal and payments current
- Thou shalt not spend money you have set aside for closing: Keep funds for down payment and closing costs untouched
- Thou shaly not omit debts or liabilities from your loan application: Tell the truth the entire time
- Thou shalt not buy furniture or big items on credit: Do not open new credit lines
- Thou shalt not originate any inquiries into your credit: Keep credit score up
- Thou shalt not make large deposits into your accounts without discussing with lender
- Thou shalt not change bank accounts or transfer funds back and forth: Act normal
- Thou shalt not co-sign a loan for anyone.
February 11th, 2026