10 things that can kill your loan before closing

You're under contract and excited. Your lender is still watching every money move you make until closing day. One wrong purchase and the deal can fall apart.

The credit moves that look smart but can hurt your approval
Why a new job right before closing can stop everything
The big purchases to put off until you have the keys
What to ask your lender before you move any money

Questions about your loan or your closing? Call or text 704-607-6996.

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Inside the checklist

The mistakes buyers never see coming

Credit moves

Think paying off an old collection or opening a store card is harmless right now? It can change your numbers.

Your job

A new job offer a few weeks before closing day can mean your lender has to start over.

Big purchases

New furniture on zero-percent financing for the new house can push your debt too high to close.

Your advocate

Someone in your corner who sees it coming

I'm Jennifer Ledford with The Ledford Group at eXp Realty. I've helped 250+ clients buy and sell across the Charlotte Metro, full time since 2016. Buying a home should feel exciting, not stressful, and part of my job is spotting the problems before they happen.

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Questions people ask

Frequently Asked Questions

Can my loan still fall apart after I'm under contract?

Yes. Your lender keeps checking your credit, income, and debts right up until closing. A new car loan, a new credit card, or a job change can change your approval.

What should I do if I need to make a big purchase before closing?

Wait until after you close, or call your lender first and ask how it affects your loan. Do not guess.

Does the checklist cost anything?

No. Fill out the short form and it's yours, with a copy by email.