The 3 Biggest No-No’s Buyers Make After Going Under Contract

You’ve found the right home, the seller has said yes, and you’re officially under contract—congratulations! This is one of the most exciting moments in the buying process. It’s also the time when a few simple missteps can cause delays or even put the deal at risk. The good news? These pitfalls are easy to avoid with a little awareness.

Let’s walk through the three biggest “please don’t do this” moments and how you can steer clear of them.

1. Making Big Purchases or Opening New Credit Accounts

It’s tempting to start planning for your new home right away. Maybe you’ve spotted the perfect sofa or you’re eyeing a new golf cart for the neighborhood. But hold off for now.

When you buy big-ticket items—or open a new credit card to finance them—your debt-to-income ratio changes. Even a single credit inquiry can trigger extra questions from your lender. They re-check your credit before closing, so anything new can slow things down.

Keep it simple: Save the shopping for after you get the keys. Your lender (and your future self) will appreciate it.

2. Changing Jobs or Income Streams Mid-Process

Life changes happen, and sometimes a new job opportunity pops up at the wrong moment. But lenders love stability. They look for a steady income history and predictable paychecks. Changing jobs, cutting your hours, or suddenly switching to self-employment can force the lender to pause and re-verify everything.

This doesn’t mean you can’t change jobs—it just means you should wait until the closing papers are signed.

A helpful rule: If you’re thinking about a career move, talk with your lender first or wait until after you close.

3. Going Silent on Your Lender or Real Estate Agent

Once you’re under contract, communication becomes your superpower. Lenders often need quick signatures, updated statements, or extra documents from time to time. If they don’t get them fast, the whole timeline can slip.

The same goes for questions from your real estate agent. Responding quickly keeps the process smooth, simple, and stress-free.

Think of it this way: Everyone on your team is working to get you to the finish line—you just need to keep the conversation going.

Final Thoughts

Going under contract is a big milestone, and staying on track doesn’t have to be complicated. Avoid major purchases, keep your job steady, and stay in touch with your lender and agent. These small steps help ensure you’ll be moving into your new Florida Keys home right on schedule.

If you’d like help navigating the buying process—or you’re thinking about making a move here in the Keys—I’m always happy to guide you every step of the way.