11/05/2026
DON’T MESS UP THE CLOSING! 🏡😅
Because the buyer decided to switch jobs and didn’t tell their lender, we’re delayed! 🫣
Here’s what many buyers don’t realize: Your mortgage approval isn’t necessarily final until your loan funds!
Lenders may verify your employment, credit, income, and financial situation again before closing.
A job change can mean additional documentation, another underwriting review, a delay in closing, or even putting your loan approval at risk.
🚫 TOP 5 THINGS NOT TO DO BEFORE CLOSING:
1️⃣ DON’T change jobs or quit without talking to your lender first. Even a higher-paying job could affect your loan qualification.
2️⃣ DON’T open new credit accounts. That new furniture, car, or credit card can change your debt-to-income ratio.
3️⃣ DON’T make large unexplained deposits or move money around without documentation. Your lender may need to verify where those funds came from.
4️⃣ DON’T finance furniture or appliances. I know you want that new couch, but wait until AFTER closing! 🛋️😂
5️⃣ DON’T miss payments or max out your credit cards. Changes to your credit profile could put your approval at risk.
💡 THE GOLDEN RULE: Before making ANY major financial or employment decision during the mortgage process, CALL YOUR LOAN OFFICER!
A five-minute conversation could save you days of delays, unnecessary stress, and potentially your dream home.
KEEP IT BORING 🥱!!
