Here are some basic guidelines when applying for a home mortgage:
Do keep paying bills on time.
Do let your lender know about any large new deposits to bank accounts.
Do keep a paper trail of any new deposits or transfers into bank accounts that are not payroll related.
Do use funds for closing from only the assets accounts verified by your lender.
Don't change jobs, quit your job or become self employed.
Don't buy a new car or other large purchases on credit such as appliances or furniture.
Don't use credit cards excessively or increase credit card balances.
Don't make large deposits without first check with your lender.
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2014 Home Mortgage Do's and Dont's