Don't Do These Things Before You Buy a Home
October 30, 2026
Quick Summary
If you plan to buy in the next six to 12 months, a few moves may hurt your loan. Opening new credit, buying a car, changing jobs, or moving large sums without a paper trail may delay or even stop approval. The safest step is to call your lender before any big money move.
Related reading: The truth about credit scores, What to save for when buying a home.
Video Transcript
If you're thinking of buying a home in the next six to 12 months, your lender is begging you not to do these things.
Don't open new credit cards. Don't buy an expensive car. Don't quit your job or go self-employed right before applying. Don't move large amounts of money between accounts without a paper trail.
Any of these may delay or even stop your approval. The best thing you can do is call me before you make a big move. Please let me be your first call.
Next Steps
Feel free to reach out to our team, or connect with me directly. We help buyers all across California.
Alisha Silva, Mortgage Loan Originator, NMLS #1683313. Lend Mortgage Solutions (50-50 Mortgage Inc.), NMLS #2289265. Equal Housing Opportunity. This video is for general education only and is not a commitment to lend.
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