WAIT! You don't want to ruin this, do you? You may have been pre-approved for the loan, but that doesn't mean it's guaranteed. These common mistakes can cost you. The lender will pull your credit again shortly before closing. If you've done anything that gives them cause for concern they can raise your interest rate or worse, deny your loan.  Here are some things your lender and your real estate agent should warn you about.

DON'T:

1. CHANGE JOBS. Switching industries or companies can cause a lender to question your financial stability. Even within the same company, avoid moving from a salaried to a commission-based position. And no matter what, do not leave your job, even if you have to bite your tongue for awhile longer.
2. OPEN NEW CREDIT CARDS OR STORE CARDS. It's so tempting to save 40% on your first purchase or switch to a lower rate card. But even though these might save some money, now is not the time.
3. INCREASE YOUR EXISTING CARD BALANCES. Little purchases add up quickly, and it's a safe bet any increases in your card balances will show up like a blinking beacon on your credit report.
4. ACCEPT A CASH GIFT WITHOUT FIRST SPEAKING TO YOUR LENDER. Well-meaning relatives might want to help you out, but don't deposit anything without checking with your lender. You'll need to file paperwork to account for it.
5. PURCHASE ANYTHING FOR YOUR NEW HOME. Sure, you want to have it all as soon as you move in, but it's best to wait until after closing to buy much more than a light bulb.
6. BUY A NEW VEHICLE OR TRADE UP ON A LEASE. Just wait.
7. FALL BEHIND ON YOUR CURRENT BILLS. It's easy to lose track of current obligations when you've got so much on your plate, but don't let your bills slip. The lender is watching.
8. GO OFF THE GRID. Be easily reachable as the closing approaches so your Realtor and your lender can address any last minute issues. Check your messages often to make sure everything is staying on track.

Even after closing, it makes sense to be smart about what you buy so you don't stretch your budget to its uttermost limits. By playing it safe during the home buying process you can leave the closing table with keys and a smile.