If you have not owned a home in the three years prior to the date of closing on a mortgage loan you may be able to claim the credit on your 2009 tax return. (loanbiz.com)
We recommend not making any large purchases before closing on your mortgage. (frontporchblog.com)
As a rule of thumb, don't use credit cards and don't apply for new credit until after closing on the mortgage. (totalmortgage.com)