Can any of the guidelines be reversed on a locked mortage loan?

Question

I locked in on a 30 yr conventional mortage loan approx 80 days. it is due to expire in 10 days. My credit score has decreased somewhat due to high credit card expenses. Can any of the guidelines of the original approved loan be altered now? Am I still entitled to all of the benefits offered by the lender?

Answer 1

Bad idea to run up credit cards when you are in the midst of trying to get a mortgage. Even with a locked rate, the lender takes a look at your credit just before closing. The increased credit card debt could kill the whole deal.

Answer 2

doubtful, thats why the word " locked" is used