How many times has it happened to you that just when you're about ready to close a transaction, the buyer has quit their jobs, put a lump sum of cash into their bank account, bought a car, etc?  Print this and hand this to all of your buyers.  Enjoy!

10 Commandments When Applying for a Mortgage Loan

Thou shall not change jobs or become self-employed

Thou shall not buy a car, truck or van unless you plan to live in it

Thou shall not use your credit cards or let your payments fall behind

Thou shall not spend the money you have saved for your down payment

Thou shall not buy furniture before you buy your house

Thou shall not originate any new inquiries on your credit report

Thou shall not make any deposits into your bank account that aren't payroll related

Thou shall not change bank accounts

Thou shall not co-sign for anyone

Thou shall not purchase ANYTHING until after the closing