After you apply to buy your home, DO NOT apply for any revolving credit like a car, another mortgage or, a credit card like a Visa, Mastercard, or American Express card, etc. Do NOT apply for any charge cards like Home Depot, TJMaxx, etc. Having available credit affects your credit rating and interest rate. It can also change your qualifying status meaning if you were approved, you might not be at when you go to close on your home.