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Whether you are in the process of purchasing a new home or thinking about it, think twice about going on a shopping spree using credit.  Your mortgage pre-approval is subject to a final evaluation of your financial situation.

For example, every $100 you pay per month on a credit payment, could cost you about $10,000 in home equity. 

Consider making any large purchases after you have left the closing table, even if you have a substantial amount of savings.