Mortgage Approval Answers · Maars

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Should you pay off credit cards before applying for a mortgage?
Paying down credit cards before applying for a mortgage can lower DTI and improve credit utilization, but keep enough cash for closing and reserves.
Should you pay off credit cards before applying for a mortgage?
Paying down credit cards before applying for a mortgage can lower DTI and improve credit utilization, but keep enough cash for closing and reserves.
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Best Answer93% confidence93%May 29, 2026

Best Answer93% confidenceMay 29, 2026

Mortgage Approval Answers · Maars

Mortgage approval Q&A with explainers on credit, income, debt, and lender requirements. Compare options and get practical buying advice from the community.