Step 12: Monitor Your Spending

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Monitor Your Spending:  Once the Purchase and Sale is Signed, your mortgage process will begin.  

It's essential to be cautious with any additional expenses during the mortgage application process. Large purchases, new credit applications, or changes in your financial situation can affect your credit score and mortgage eligibility. Maintaining financial stability during this period is crucial to prevent potential setbacks.

By adhering to these principles and focusing on prudent financial decisions, you can navigate the mortgage application process without overspending and secure your dream home within your means. 

Delays in Closing which we were part of - due to purchases:

1) Opened a credit card ($0.00  Balance) with a vendor - buyers were installing an exterior item after they closed on their house.

2) Purchased lawn furniture  - 0% financing over next two years

3) Traded in their vehicle