Just because a lender has pulled your credit and verified your employment, doesn’t mean they won’t do so again prior to closing. Most lenders pull a soft credit report a few days before closing to ensure that borrowers did not acquire any new credit or apply for any new credit since the application date. So, don’t buy a new car or go to Lowes and open up a credit line for new flooring or appliances for the house until after closing. If you open a new credit line it could throw off your debt to income ratio for the loan and kill the deal. So, bottom line, don’t apply for any new credit when going through the mortgage process. Thinking of Moving to Oldham County KY?
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✉️ Email: daren.bailey@coldwellbanker.com
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