These are some of the things you can do to stay qualified, when you are applying for a mortgage to refinance or purchase a home. Here is a list of do not's. 1. Do not change jobs or decided to become self employed. 2. Do not buy a vehicle. 3. Do not charge on a credit card or get passed due on a payment. 4. Do not use any of your down payment money for other matters. 5. No furniture until you own the home. 6. Do not apply for any credit cards. 7. No large deposits into your bank account. 8. Stay with the same bank during your processing time. 9. No co-signing for anyone on a loan.10. Simply do not buy anything till after closing your loan. Give us a call to qualify for your home loan at 757-552- 7000 or 1-800-882-0066.