Avoid switch bank account till “Pre-approved Loan Disbursal”: The approval is based on the current status of your finances. You want to maintain that status and wait to make any financial changes until after you have gotten your mortgage. If a lender sees you moving money around various accounts, they will ask for an explanation. You will need to give them a detailed accounting of why you moved your money around. Avoid making this mistake and keep your money in one place before closing. Sometimes buyers make the mistake of shifting their money around to better position themselves, but this is a mistake.