For home purchasers nearing the closing and whose future home is “in escrow,” it is important to avoid doing anything that would jeopardize your ability to qualify for a mortgage. Be vigilant about changes to your credit. Avoid anything that may cause your credit score to drop. Be careful about any new inquiries or increases in credit card balance. The lender will likely investigate if your credit score decreases. Refrain from quitting or changing jobs. Lenders prefer a steady job history. If your employment situation changes, the lender will likely have to re-evaluate your finances and extend the escrow period. Do not go MIA (“missing in action”) or be difficult to contact. You want to be available to answer any questions from the lender and to demonstrate that you are reliable. Do not do anything that may increase your debt-to-income ratio. This includes buying or leasing a car and anything major purchase that majorly increases your bills.