Clarksville Homebuyer Guide

# Post 14: The “Don’t Do This” List After You Get Pre-Approved

Getting pre-approved feels like the hard part.

And then—this is where buyers accidentally step on the rake.

Think of your mortgage like a snapshot. Underwriting approved you based on what your finances looked like in that moment.

If you change the picture, we may have to re-qualify you.

**Think of this like Google Maps for mortgages…** once we’ve picked the route, don’t take a surprise exit and expect the ETA not to change.

## The top “don’t do this” moves
After pre-approval, avoid:
– Opening new credit (cars, furniture, credit cards)
– Co-signing for anyone
– Changing jobs or switching pay structure
– Large unexplained deposits (cash deposits are especially tricky)
– Running up credit card balances

## Why lenders care (the “why” behind the rule)
Underwriting is managing risk. They’re asking:
– Did your debt increase?
– Did your income change?
– Did your assets change?
– Did the property change?

Credit, income, assets, property. Always those four.

## Real life example
I’ve seen buyers get pre-approved, then buy a new couch on a “0% for 24 months” deal.

It feels harmless.

But it can change your debt-to-income ratio and your credit score—right when we need stability.

## Soft CTA
If you’re under contract (or about to be) and you’re not sure if something is “safe,” message me before you do it. There is no such thing as a dumb mortgage question—and I’d rather answer it now than fix it later.

Visit: **www.justcallkate.info** for a personal map to mortgage approval.
Linktree: https://linktr.ee/JustCallKate1?utm_source=linktree_profile_share&ltsid=994d37a5-15db-4601-b7ab-b06e6b2b13dc

**Kate Matties-Deiboldt (NMLS #18487)**

## FAQ (10)
1. Can I buy furniture after I’m pre-approved?
2. Will opening a credit card hurt my mortgage approval?
3. Why do lenders re-check credit before closing?
4. What counts as a “large deposit”?
5. Can I change jobs while I’m under contract?
6. Can I co-sign for someone while buying a house?
7. What happens if my credit score drops before closing?
8. Should I pay off debt during the mortgage process?
9. Can I move money between accounts?
10. What should I do if I’m unsure about a financial move?

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