Here is a list of things to avoid that can save you from possible heartache after you’ve received a mortgage pre-approval.

While a pre-approval is a great first step, it’s not a guarantee. Final mortgage approval is still conditional on the buyer’s financial situation and the property being acceptable to the lender. That’s why what your clients do after pre-approval matters just as much as before.

Some common-missteps that home-buyers should avoid  between pre-approval and closing are:

• Don’t apply for new credit or loans. It can impact their credit score and debt ratios.

• Never miss payments. Even one late bill can derail a file.

• Hold off on big purchases. New furniture or a car can wait until after closing.

• Avoid job changes. Switching or losing employment can void the pre-approval.

• Track large deposits. Lenders need clear paper trails for down payments.

• Respond quickly to lender requests. Delays or missing documents can stall application review.

Keeping your financial profile steady ensures their pre-approval holds up when it matters most—at the time of offer and again at closing. Now obviously life can happen and some of the above may be unavoidable. It is always recommended for applicants to chat first with their mortgage professional to see how any changes can impact their application and buying power.