Don’t Move Money Around 
When a creditor reviews your advance package for approval, one of the things they are concerned about is the source of funds for your down payment and closing costs.

Most likely, you will be asked to provide statements for the last two or three months on any of your current assets.

This includes checking accounts, savings accounts, money market funds, certificates of deposit, stock statements, mutual funds, and even your company 401K and retirement accounts. If you have been moving money between accounts during that time, there may be large deposits and removals in some of them. The mortgage sponsor will probably need a complete paper track of all the withdrawals and depositories.

You may be entailed to produce cancelled checks, deposit receipts, and other seemingly inconsequential data, which could get quite tedious. To guarantee quality control and abolish potential fraud, it is a requirement on most loans to completely document the source of all funds. Possibly you become irritated at your lender, but they are only doing their job correctly. Moving your money around, even if you are uniting your funds to make it "easier."

Should You Change Jobs?
For most people, changing companies will not really affect your ability to qualify for a mortgage loan, especially if you are going to be earning more money.  For some homebuyers, however, the effects of changing jobs can be catastrophic to your loan application.