08/31/2026
🚨 THINKING ABOUT GETTING PRE-APPROVED SOON? READ THIS FIRST. 🚨
If you have collection accounts and you’re thinking, “I’ll just pay those off before I apply for a mortgage…”
STOP. TALK TO YOUR LOAN OFFICER FIRST. 👀
Paying off a collection can sometimes be the right move… but depending on the loan program and your specific credit profile, it can also hurt your credit score temporarily or change your credit profile in a way that could affect your approval, pricing, or qualifying.
And here’s the big thing:
💥 You don’t want to make financial moves BEFORE we look at the whole picture.
Before you pay off collections, close credit cards, open new accounts, move money around, or make any other big financial changes…
CALL ME FIRST. ☎️
My job isn’t just to get you pre-approved. It’s to help you get there strategically.
The best move might be to pay it.
The best move might be to leave it alone.
Or there may be another option entirely.
Let’s look at your credit, loan program, income and overall financial profile before you make the move.
🏡 Ask Chrissy first. Then make the move. DM “ASK”