You’ve found the perfect home. Your offer’s been accepted. You’re counting down the days to closing… What could possibly go wrong?
Actually, quite a lot—if you’re not careful.

At Tress Homes, we’ve seen too many excited buyers unintentionally sabotage their own home purchase during the final stretch. And after weeks (or months!) of house hunting, inspections, and negotiations, losing the deal at the last minute is the heartbreak nobody wants to face.

That’s why we’re pulling back the curtain on the 5 things buyers should never do before closing on a home—plus how to stay on track for a smooth, successful finish. Whether you’re a first-time buyer or a seasoned homeowner, these tips will help protect your investment and your peace of mind.

Why the Final Stretch is the Most Fragile

The period between contract acceptance and closing day is filled with behind-the-scenes activity: mortgage underwriting, title searches, appraisals, and final walkthroughs. While it may feel like you’re just waiting to get the keys, lenders and legal teams are hard at work verifying that everything checks out—including your financial situation.

One misstep—like a new credit card or late payment—can send up red flags and delay or cancel your closing altogether.

As Peter Klein, Team Leader at Tress Homes, puts it:

“Think of your home purchase like a marathon—you don’t slow down or celebrate early. The last mile is the most critical.”

Why it’s risky:
Even if a new job offers more income, changing your employment during escrow can cause lenders to reassess your loan application—or reject it entirely.

Pro tip:
If you’re considering a job change, wait until after you’ve closed. Stability is key for underwriters.

Why it’s risky:
Buying that gorgeous sectional or state-of-the-art fridge on credit might seem like prepping your new home—but it can throw off your debt-to-income ratio.

Common mistake:
Opening a store credit card or financing a big item during this time.

Pro tip:
Hold off on major purchases (or new lines of credit) until after you’ve closed and moved in.

Why it’s risky:
Lenders and title companies work on tight timelines. Missing even one deadline—like submitting a document or signing a disclosure—can delay your closing or breach your contract.

Pro tip:
Stay ultra-responsive. Set reminders. Communicate frequently with your agent and loan officer to keep things moving.

Why it’s risky:
Unexplained large deposits or withdrawals raise concerns during underwriting. Every dollar needs to be “sourced” and “seasoned.”

Pro tip:
Talk to your lender before moving any large amounts between accounts. Keep a paper trail for all financial activity.

Why it’s risky:
This is a team effort. Going silent—especially if issues or questions come up—can lead to misunderstandings or missed red flags.

Peter’s advice:

“There’s no such thing as a dumb question in real estate. If something feels off, call your agent. We’re here to keep your closing on track.”

Real Talk: What If You Already Made One of These Mistakes?

You’re not doomed—but you do need to act fast. Here’s what to do:

• Notify your agent immediately. They can help mediate with your lender and come up with a solution.

• Be transparent. Hiding issues will only delay or derail the process.

• Follow advice quickly. The sooner you course-correct, the better your chances of staying on track.
  
  

✅ Your Pre-Closing Checklist

Here’s a quick guide to keep handy:

✔️ Stay employed and avoid major job changes
✔️ Don’t apply for new credit or make big purchases
✔️ Respond to your lender and agent promptly
✔️ Keep your finances stable and transparent
✔️ Communicate early and often

Final Thoughts: Don’t Just Close—Close Confidently

Buying a home is one of the most exciting chapters in life—but that final stretch requires extra care. By avoiding these five common pitfalls, you’ll protect your investment, reduce stress, and step into your new home with confidence.

At Tress Homes, we’re not just here to open doors—we’re here to walk you through them.
Got questions about your upcoming closing or just starting your home search? We’re happy to help.

👉 Browse current listings at HomeOnward.com
📧 Or email us directly at tresshomes@gmail.com