To ensure a stress-free mortgage closing, follow these 10 tips: 1. Avoid new credit inquiries. 2. Do not incur additional debt. 3. Make all payments on time. 4. Refrain from paying off collections unless advised. 5. Do not consolidate or close credit cards. 6. Avoid disputing items on your credit report. 7. Document any large deposits besides payroll. 8. Avoid large cash purchases. 9. Do not increase credit card balances. 10. Maintain stable employment; notify your lender of any job changes. These guidelines will help facilitate a smooth closing process.