10/12/2026
🚨 MORTGAGE MYTH: “I need to pay off ALL my debt before I can buy a house.”
Nope. ❌
Having car payments, student loans, credit cards or other monthly obligations does not automatically prevent you from qualifying for a mortgage.
What matters is how your income and monthly debts work together — your debt-to-income ratio (DTI).
And here’s the kicker 👇
Sometimes paying off debt before applying isn’t even the best move. That cash may be more valuable toward your down payment, closing costs or reserves.
🏡 Don’t start moving money around or paying things off because you THINK that’s what a lender wants.
Let us run the numbers first.
You might be a whole lot closer to buying a home than you think. 😎🔑
📲 Talk to us BEFORE you start paying everything off!