You could write a novel with Realtor's stories of clients buying a house full of furnishings, new car, toys and such prior to closing. I always have this talk with clients and I know lenders do as well. I advise my clients to pick out their new appliances or items, but wait until the day after they close to order them to prevent any issues with closing.
I lost a deal once, and was really disappointed to let a great family miss out on their first home purchase. Since then, I warn clients several times during the process not to obtain anything on credit, no new credit cards, no new credit inquiries. Once bitten, twice shy. No need to hurt your chances by credit issues. Wait til you are having breakfast in your new home, two weeks after closing!
Best wishes, Jim
Hope that helps!
They verify everything you put on your application before the loan is approved. Then they verify a number of things, including employment, bank balance and credit, a day or two before funding the loan (closing)
The biggest mistake buyers make is buying things on credit for their new home before closing. That could easily cost you the sale!
I've attached a link with more information.