1. Change jobs, become self-employed or quit your job.
2. Buy a car, truck, or van.
3. Charge up your credit cards or make late payments. (Besides late payments, increased balances on credit cards is the 2nd most common reason credit scores drop.)
4. Spend money you have set aside for closing.
5. Omit debts or liabilities from your loan application. (Ex: Child Support, Personal Loans, Alimony, etc.).
6. Buy Furniture.
7. Allow anyone other than your lender to run your credit. (Credit inquires could cause you to lose vital points on your credit scores.)
8. Receive Gift Funds or make large deposits without first checking with your loan officer.
9. Change bank accounts.
10. Co-sign a loan for anyone. Co-signing on a loan makes you responsible for the payment of that liability.