Had a client once who leased a new car literally days before closing. Thought it wouldn't matter since they'd already been pre-approved. Well, lender caught wind of it and nearly pulled the plug. Took some serious scrambling and paperwork gymnastics to keep things on track. Buyers often underestimate how sensitive lenders can be to even minor credit shifts. Now I always remind my clients—hold off on any big purchases or credit moves until after the keys are in hand...just not worth the stress.
Yeah, lenders can get super picky about that stuff. My brother almost lost his loan approval because he opened a store credit card to save like 20 bucks on a purchase. Crazy how even small moves can set things off...
Had something similar happen when we bought our place. My wife switched cell phone providers right before closing, and the lender flagged it as a new credit inquiry. Took days of back-and-forth to clear it up. It's wild how even minor things can throw a wrench into the whole process... definitely learned to just sit tight until the keys are in hand.
Yeah, lenders can be super picky about that stuff. Had a client once who bought furniture on credit right before closing—thought it was harmless since they'd already been approved. Nope... lender freaked out, and we had to scramble to fix it. Now I always tell folks: don't touch your credit, don't switch jobs, don't even sneeze too loud until you've got those keys in hand. Better safe than sorry, right?
That's solid advice—I've seen similar situations myself. Once had a client who switched jobs mid-process because he got offered a better salary. Seemed like a no-brainer, right? But lenders see it differently; stability matters big-time. We had to document everything all over again and nearly missed closing. So yeah, even if something seems harmless or beneficial, it's best to check in with your loan officer first. Better to be overly cautious than risk losing your dream home at the last minute.
