The Ten Commandments when applying for a mortgage:
- Thou shall not change jobs or become self-employed.
- Thou shall not buy a car, truck or van unless you plan to live in it.
- Thou shall not use your credit cards or let your payments fall behind.
- Thou shall not spend the money you have saved for your down payment.
- Thou shall not buy furniture or appliances before you buy your house.
- Thou shall not originate any new inquiries on your credit report.
- Thou shall not make any large or cash deposits into your bank account.
- Thou shall not change bank accounts.
- Thou shall not co-sign for anyone.
- Thou shall not purchase anything until after the loan closes.