5 Things NOT to Do Before Buying a Home | West Kentucky Real Estate

You’ve been saving. You’ve been searching. You’re ready to buy! But hold up - Here are five common mistakes buyers make that could delay your approval or kill your deal altogether.

1. Don’t open new credit accounts.That new furniture store credit card can wait. New lines of credit can mess with your score and debt-to-income ratio.

2. Don’t make large deposits without a paper trail.Lenders need to see where your money is coming from — unexplained deposits raise red flags.

3. Don’t quit your job.Even if it’s a better opportunity, changing jobs mid-approval can reset the entire process.

4. Don’t skip the pre-approval.It’s more than a formality — it shows sellers you’re serious and gives you a realistic price range.

5. Don’t make major purchases.Hold off on that car or fancy fridge until after closing — large purchases can affect your loan eligibility.

Bottom line? Let’s talk before you do anything big. I’ll make sure your path to homeownership stays smooth.

West Kentucky Real Estate