I would wait until your mortage is final. But here is some valueable information that might help you when you do apply.
Yesterday I did the PreQualifed link for Lowes from their website and was given the wait 7 to 10 days notice. Decided to call them at 8004800186 and they needed to verify my idenity. After that I was approved for $4500 I decided to call 877-379-8173 (Overseas) and ask for an increase of 30k because I am doing home repairs. They came back and approved me for 17k.
