You’ve been preapproved for your mortgage, and now you are excited about starting the house hunting process. Now that you have been approved, it is a matter of finding the house that is a perfect fit for you and your family. You can’t wait to find it, go to closing, get your keys, and move in to your dream home. Nothing can stop or delay the closing, right? Well, that’s not exactly true. There are factors involved in closings that can take a detour. To prevent your closing to be in position to go smoothly, avoid the following common mistakes.

Hours at Work: Your employment status and monthly income helped you qualify for a loan in the first place. Reducing your earnings by working fewer hours or no longer working overtime could delay your loan or disqualify you altogether.

Extra Costs: Keep in mind that the down payment and closing costs aren’t the only payments you’ll make. You’ll also need upfront funds for moving expenses, furniture, utilities, insurance and other miscellaneous costs.

Avoid Making Large Purchases! It can be tempting to want to purchase new furnishing for your new dream home, but this can put your loan in jeopardy — especially if you take out a loan, purchase/lease, or use a credit card. Your finances (and credit report) should remain as steady as possible in the weeks leading up to your closing date.

Monitor Your Bank Statement: money coming in and out of your bank accounts will be looked at very closely, and if there are large deposits on your statement, there will be a need to have an explanation. Try to avoid any significant financial changes that could threaten your home purchase.

These simple tips can help your keys to your new home on time! Don’t delay, move in as scheduled!