The #1 Mistake That Could Cost You Your Dream Home

🏡 The #1 Mistake That Could Cost You Your Dream Home

Buying a home is one of the most exciting (and emotional!) milestones in life. Whether you're a first-time homebuyer or it’s your fifth move, the thrill of house hunting, imagining life in a new space, and picking out that perfect kitchen is real.

But here’s the thing... one simple mistake could cost you that dream home—or at the very least, cause some serious delays.

💥 The #1 Mistake Buyers Make: Making Big Financial Moves Before Closing

I see it all the time. A buyer gets pre-approved, finds their dream home, gets under contract... and then makes a big financial decision that throws a wrench in the whole process.

Here’s what not to do once you’re under contract:

🚫 Don’t finance a new car
🚫 Don’t open or max out new credit cards
🚫 Don’t switch jobs without talking to your lender first

Even if your offer’s been accepted and the inspection’s done, your lender will check your finances again before closing. Any major changes to your credit or income can affect your loan approval—or even cancel the deal altogether.

📉 Why It Matters

Lenders need to know that you’re still a safe bet when it comes to lending hundreds of thousands of dollars. If you go buy a new SUV or take out a store credit card, your debt-to-income ratio changes. That can lower your credit score or disqualify you for the loan amount you were originally approved for.

🧘‍♀️ My Best Advice: Freeze Your Finances

Treat your financial life like it’s frozen in time between the day you’re pre-approved and the day you close. No new debt, no job changes, and definitely no large purchases unless your lender gives you the green light.

Need more home buying tips or have questions about getting mortgage-ready?
I’m just a message away—and I’d love to help you navigate the process stress-free!

📲 850-417-9988