As a loan officer, I remind my customers time and time again to wait before making any major purchases or changes in your life. It's the first week of may and 2 loans have fallen out because borrowers decided to get married. Getting married means we have to account for spouses debts on Govt loans and that can really negatively impact your debt to income ratios. Below, I've pasted some addition helpful hints if you want to make sure your loan clears quickly and without problems or delays: BANK ACCOUNTS AND ASSET STATEMENTS: • NO NSF’s (overdraft fees) • NO Payday Loans • NO Cash Advances • MINIMIZE TRANSFERS between accounts. IF you must transfer between accounts, ALL accounts involved MUST be submitted for verification. • LARGE DEPOSITS that come from a sale of personal property will require the following: o Proof of Ownership (example: title, insurance, etc.) o Bill of Sale o Proof of Value (example: Kelly Blue Book on autos) o Deposit amount MUST match sale amount. CREDIT: • JUDGEMENTS must be paid. Release or satisfaction letter required. • NO LARGE PURCHASES during loan process. (example: car or furniture purchases) • DO NOT OPEN NEW LINES OF CREDIT during this process. This can jeopardize your approval. • WATCH YOUR SPENDING. EMPLOYMENT: • DO NOT QUIT YOUR JOB during the loan process OR within ONE MONTH of loan closing. Your note will be deemed due and payable should this occur. • REPORT ANY EMPLOYMENT CHANGES during the loan process TO US IMMEDIATELY - IN WRITING. • DO NOT GO ON A LEAVE OF ABSENCE from your job during the loan process. You must notify your lender of ANY employment changes IMMEDIATELY. This includes being fired, laid off, medical leaves, FMLA leaves, etc. Thanks and I hope this helps! Edit: alright guys, headed to bed but I will try to answer all your questions tomorrow. I hope this thread has been helpful!!