The payments still show up
The payments can appear on your bank statements, and underwriters review those statements carefully.
They may affect your DTI
Companies like Affirm, Klarna, Afterpay, Zip, Sezzle, PayPal, and Sunbit may not impact your credit score, but the monthly payments can still affect your debt-to-income ratio.
Ask before you finance
Before financing that new couch, TV, or online shopping spree, check with your loan officer first.
Underwriters read everything
The underwriter is going to read your bank statements like they are the latest bestseller.
Your next step
Let’s talk about what this means for you.
You do not have to figure out every mortgage detail on your own. Tell me the goal and we can work through the questions.
Ask Marta a question