If salary is your most important consideration, make sure you don't take too much time off beyond the allotted 12-14 weeks of maternity leave - and certainly don't leave altogether.

Don't take too much advice.

It is important not to trust people too much.

It's my job, but I think it is too much.

If your appraisal comes back too low - you don't have at least 10% equity for a conforming loan or 20% for a jumbo loan - you might not be able to refinance at all, at least with a loan that's packaged and sold to Fannie Mae and Freddie Mac. That means you may have to pay a much higher rate.

I can't live with art: I'd spend too much time tweaking it.