For anyone thinking of buying a home in the future, please keep in mind the following commandments to keep your transaction smooth and heavenly!


1. Thou shalt not change jobs, or quit your job.


2. Thou shalt not buy a car, truck or van (or you may be living in it)!


3. Thou shalt not use charge cards excessively or let your accounts fall behind.


4. Thou shalt not spend money you have set aside for closing escrow.


5. Thou shalt not buy furniture.


6. Thou shalt not originate any credit inquiries to affect your credit score.


7. Thou shalt not make large deposits without first checking with your loan officer.


8. Thou shalt not omit debts or liabilities from your loan application.


9. Thou shalt not change bank accounts or let bank account balances go negative at any time.


10. Thou shalt not co-sign a loan for anyone.


11. Thou shalt not make any late payments on bills, loans, mortgages, rent, or even utilities.