Do ask Donors for gifted funds as soon as possible, if being used towards your downpayment. Be sure to ask your Loan Officer about the steps and documentation needed for gifts.
Do stay current on all your payments.
Do Continue to use your credit cards as normal. Changing your pattern could raise a red flag, causing your credit score to decrease.
Do wait to make any major purchases, such as a car or a boat, until after your loan has funded.
DON'T!
Don't keep cash in a safe or overseas account fi you plan to use these funds as a downpayment.
Don't close credit card accounts. Keeping your accounts open after you have paid them off lowers your debt-credit ratio. If you close credit card account, it may appear as your debt ratio has gone up.
Don't apply for new credit. Multiple credit inquiries may hurt your score.
Don't make career moves. Your mortgage lender must verify your employment, so its crucial to maintain your employment status.