Changes in income can effect your loan qualification or interest rates. Dramatic income changes, like unemployment, can disqualify your loan eligibility. 

Paying your bills on time will raise your credit score. A higher credit score usually means better interest rates. Inversely failing to pay your bills on time will lower your credit score. 

Make sure to set aside enough money for your down payment and closing costs. Your financials will be checked several times during this process. 

Buying a car, furniture, or other big purchases can change your loan qualifications. If these purchase are done on credit they'll increase your debt to asset ratio and disqualify your loan eligibility.