Congratulations! You’ve made it this far through the mortgage process, which means you’ve been proven to have exemplary credit, and that lenders are eager to loan you the funds needed to purchase your new home. But sit tight and be patient. There’s still a 45- to 60-day closing process – a time to hold steady and avoid any major financial changes.

Here are some things you should NOT do during this period:

• Don’t make any large purchases on credit
• Don’t apply for new credit cards
• Don’t close any existing credit accounts
• Don’t change jobs
• Don’t make large deposits without documentation
• Don’t co-sign for anyone else’s loan

These actions can affect your credit score and debt-to-income ratio, potentially jeopardizing your mortgage approval.