07/30/2026
I cannot stress this enough, if you are going to utilize services like Affirm, Cash App, and other 3rd party financing companies for payment plans on purchases, these monthly payments must be counted into your debt to income ratios and statements for each transaction must be provided. Please do yourself a favor, if you are going to look at purchasing or refinancing a home in the next 6 months, make sure that each of these payment agreements are paid in full. The amount of delays I see from having to source and document these is becoming a real issue.
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