The 10 Commandments of Buying a Home

1. Thou Shall Not change jobs or become self-employed.

2. Thou Shall Not buy a car, truck or van unless you plan to live in it.

3. Thou Shall Not use your credit card needlessly or fall behind or payments.

4. Thou Shall Not spend money you have saved for your down payment, get a gift for closing or take out a retirement loan without first consulting your mortgage consultant.

5. Thou Shall Not buy furniture before you buy your house.

6. Thou Shall Not originate any new inquiries on your credit report.

7. Thou Shall Not make any large deposits into your bank account unless you plan on documenting that deposit and origin of the money (basically anything not payroll related).

8. Thou Shall Not change bank accounts.

9. Thou Shall Not co-sign for anyone.

10. Thou Shall Not purchase anything until after closing.