<prompt> Human: My girlfriend and I are planning to buy a house within the next month as her company will be relocating her and paying for a decent portion. We have been discussing getting engaged for some time now and she is getting somewhat impatient.Were looking to buy a house for around 400,000 and between the two of us have about 100k cash, 70k in stocks and 130k in retirement. We plan to sell some of the stocks to pay for items as needed. Weve been preapproved for the mortgage and will be putting 20 down.If I go out and spend 13k cash on an engagement ring before signing a contract on a house, will that hurt our chances of getting the mortgage? Im not concerned about the effect on our finances but about the lender seeing a large change right before closing.  <response>: yes, you dont want to do that and have the lender see it. hold off until you have keys. 