You don't own the home until the loan closes...

Home buyer; I know you're excited about the new home and I wrote something similar in the past about it, but I want to re-emphasis.... You don't know want to jeopardize the buying of your house during the loan process. When your Realtor and loan officer tell you not to make any major purchases until the loan is funded, we do it for you, really. There is always another time during the loan process when your credit and bank accounts are checked for verification, you have to have what you've offered in the contract. You having the money for the down-payment could have played a role in your offer being accepted. Why jeopardize that? Do not buy, buy, buy, period, especially in today's economy, but more important; do not make any major purchases until you are funded, period.

Just my two cents to help you wear the badge of "homeowner!"