Another point - don't use the bank pre-approval amount as your budget. Bank doesn't care if you can't afford utilities, food, furniture, car payment, etc. Be realistic.
We were approved for nearly $700k. Could we have paid the mortgage? Sure, but we would be sitting in the dark, on folding chairs, with no cars because we wouldn't have been able to cover any other costs.
It's extremely unlikely a bank will give you a mortgage if they see you borrowing for closing costs. They (and you) know you can't afford it. You can't pull loans while in the buying process.
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We were approved for nearly $700k. Could we have paid the mortgage? Sure, but we would be sitting in the dark, on folding chairs, with no cars because we wouldn't have been able to cover any other costs.
It's extremely unlikely a bank will give you a mortgage if they see you borrowing for closing costs. They (and you) know you can't afford it. You can't pull loans while in the buying process.
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2019 Accord Sport 2.0 A/T
2012 Civic Si - Sold
2012 Civic Si - Sold