With many of today's buyers purchasing homes at the top end of what they can afford, there isn't any room left in their loan qualification score. Deals have been lost days before closing because the lender did a final credit check and found several thousand dollars of new furniture had just been purchased on a credit card.
I advise my buyers to make no significant credit changes or purchases in this critical pre-closing phase.
Sucessfull HOME BUYERS engaged the services of a Real Estate Agent. Call me I be more than happy to assist you purchase your new home.