Applying for a new home loan can be a stressful time. There are many steps that need to be taken, a lot of paperwork to gather and preparations that need to be done. But are there certain things you could do to help your home loan process, or mistakes that could maybe even hurt it? What should and shouldn't you do to make sure your home loan goes through smoothly?

Here are 24 ways to prevent any delays with your home loan approval. Some of them may surprise you!

DO continue to live at your current home.Dos and Don'ts of a Smooth Home LoanDO continue to make your home loan payments or rent payments.DO continue to use your credit as normal.DO keep working at your current job.DO keep your same insurance company.DO stay current on all your existing accounts.DO call your home loan expert if you have any questions.

DON'T start any home improvement projects.DON'T buy any furniture.DON'T apply for new credit cards (even if you seem pre-approved).DON'T close any credit card accounts.DON'T consolidate your debt onto one or two credit cards.DON'T max out or over charge on your credit card.DON'T open a new credit card.DON'T pay off any loans or credit cards without discussing it with your home loan expert.DON'T change bank accounts.DON'T pay off charge offs without a discussion with your home loan expert.DON'T pay off collections without a discussion with your home loan expert.DON'T take out a new loan.DON'T transfer any balances from one account to another.DON'T finance any elective medical procedures.DON'T join a new gym.DON'T make a major purchase (car, boat, fur, jewelry, etc.).DON'T open a new cell phone account.

If you encounter a special situation, try to mention it to your home loan expert right away so they can help you determine the best way to achieve your home loan goals.