Lenders love consistency and there are several things to avoid just before purchasing a home. Do Not Change Jobs. Many lenders like borrowers to have a two-year work history with the same employer. Do Not Switch Banks or Move Your Money Between Accounts. Moving your money to a new bank or even a new account can disrupt the verification process. Avoid Big Purchases. A new large monthly payment, like a new car, can affect the amount of home you can qualify for and make it difficult to get your loan approved.