@Anonymous wrote:I am not sure about reporting to credit agency or hard pull. I know I had a payday loan 2 years ago and they never reported it to my credit and when I asked why they said that most payday loans don't and it was disclosed in the contract at that time. My other option is to get that 1000 either as an advance from my school district but I don't know if they do that yet :/
Just a heads-up, even if you get the cash from somewhere else, you might not want to put it in your bank account. On one of my mortgages, I had to give printouts of my account balances to the mortgage people a few weeks before closing, and I had recently taken some cash from my 401k.
The mortgage broker had me withdraw the cash and bring her a new printout (reflecting the balance without the extra money). This was actually 'bending' the rules because since I made her 'aware' of the funds she was supposed to make me account for it, but it wasn't an extreme amount and everything else was in line, so she accepted a second printout.
Each situation is different (and each of the four times I've done a mortgage it was slightly different as well) but generally speaking, if you're 60 days out from closing you don't want to do anything outside of your 'normal' activity, that includes deposits, credit card charges, etc. It would be a shame to cause yourself a problem at the last minute over $1000.
Just my 2¢. 
@Anonymous wrote:So getting a payroll advance from my job would still be a problem?
Since it's out-of-the-ordinary and indicates a cash-flow issue right before closing, yes, it could be.
Note that the issue won't be with an inquiry or new account (since a payroll loan would cause neither) but with unexpected cash showing up. That's what (almost) caused the problem when I took the money from my 401k.
To be on the safe side, just check with your mortgage broker, or if you don't want to 'poke-the-bear' just make sure the payroll advance money doesn't get deposited. Depending on your broker and loan type, it could even be a non-issue.
This is one of the largest transactions you'll ever make; you don't want to derail it (or complicate it) over something trivial.
it's just for my earnest deposit which I am short with and that I would pay back in 13 days, other than that my finances are great, but I will check with my lender for sure 
@Anonymous wrote:it's just for my earnest deposit which I am short with and that I would pay back in 13 days, other than that my finances are great, but I will check with my lender for sure
That changes things a bit... if it's for your earnest money it would likely be fine - I took a special withdrawal for my own earnest deposit and down payment, and since it was all documented it was completely OK (actually, it was required that I show where the money came from). It's undocumented funds (like my 401k loan) that can be problematic. In your case the funds are for the transaction itself, which is different.
Just work closely with your lender and he/she can tell you how to document everything; some are more fastidious than others. In your specific situation I think everything will be fine.