The period between contract and closing is not the time to make major financial changes without talking to your mortgage advisor. Underwriters may recheck credit, income, assets, employment, and property details before final approval.
These guidelines are general. Always ask before making a change that could affect the loan.
Do Keep Your Documents Updated
Respond quickly to document requests, save updated pay stubs and bank statements, and keep explanations simple and accurate. If a large deposit appears, be ready to document where it came from.
Also keep insurance, condo, HOA, and property information moving. Florida closings can be delayed when insurance or association documents are incomplete.
Do Not Open New Credit Without Asking
Avoid new credit cards, auto loans, furniture financing, or large purchases before closing unless your mortgage advisor says it is safe for your file.
New debts can affect qualifying, payment, credit score, and debt-to-income ratio.
Do Not Change Jobs or Move Money Casually
Job changes, large transfers, cash deposits, and account changes can create extra documentation. If something needs to happen, talk with Maria first so you understand the possible impact.
The goal is simple: keep the file stable, documented, and ready for final underwriting.
