While the lending institution works with the underwriter (who will eventually fund the loan) several "snapshots" will be taken of your finances and all credit accounts. This means that anything new you put on a credit card, such as furniture for your dream home will cause a blurred picture of the overall totality of your finances. All bank accounts, credit cards and general finances should sit still and remain dormant for a time, until escrow closes. Do not charge anything and/or co sign for anyone, as this will contribute to your personal debt ratio. Anything that you could end up being financial responsible for will be counted as a debt when your debt to income ratio is calculated. Your credit will be run a final time just before final funds are dispersed. Routine of bills and daily living expenses are the exception.