10/21/2026
Getting pre-approved feels like a big win, but it's not the same as being approved.
Your lender looks at your finances again before closing, so anything that changes between now and then can change your loan. I've seen deals get delayed because someone switched jobs, financed a new car, or opened a store credit card to save 20% on furniture for the new place. If you're in the middle of buying, hold off on any big financial changes until you've closed. And if you're not sure whether something will affect your loan, just ask your lender or me first.