1) Thou shalt NOT change jobs, become self-employed, or quit your job.
2) Thou shalt NOT buy a car, truck, van, motorcycle, ATV, or any other vehicle (or you may be living in it)
3) Thou shalt NOT use your credit cards excessively or let ANY of your payments fall behind.
4) Thou shalt NOT spend the money you have set aside for downpayment or closing costs.
5) Thou shalt NOT buy furniture, appliances, or household items before you buy your new house.
6) Thou shalt NOT originate or allow any new inquiries on your credit report.
7) Thou shalt NOT make any large OR 'cash only' deposits into your bank accounts or transfer money between accounts without first consulting your mortgage consultant.
8) Thou shalt NOT change bank accounts.
9) Thou shalt NOT co-sign for anyone, or allow authorized users to charge on your credit accounts.
10) Thou shalt NOT omit any debts or liabilities from your loan application.
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