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dont make any changes to your financial picture without talking to your lender first thats the subject of this video so what are we talking about here when you start your mortgage application its really like a snapshot its a snapshot of your financial situation all of your finances at one time so most of the mortgage process is spent with the lender verifying all the stuff that you put on your application how much money do you have in the bank what is your income how much credit do you have those types of things so when you make big changes in the middle of that process in some cases it might derail your eligibility for a mortgage but in a lot of cases while it may not knock you off track it might be a situation thats going to create more work and more documentation for you so you always want to talk to your lender first let me give you a few examples number one any kind of large deposits i have another video about that about whats the big deal about large deposits your lender wa