Скачать или смотреть Klarna and Affirm purchases can kill your mortgage approval

Thinking about buying a home? Be careful with buy-now-pay-later services like Klarna, Affirm, Afterpay, Etc. Even though these payments often don’t appear on your credit report, mortgage underwriters review bank statements and must count recurring payments toward your debt-to-income ratio. This can reduce how much home you can afford—or even get your loan denied—if it’s discovered late in the process. Always disclose these payments to your loan officer early and avoid opening new ones before applying for a mortgage!

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Dan Ardis, Barrett Financial Group
NMLS 1412272


Dan Ardis | NMLS #1412272 | Dan Ardis Mortgage Team powered by Barrett Financial Group, L.L.C. | NMLS #181106 | 3111 Camino Del Rio North, Suite 905, San Diego, CA 92108 | AR 124815 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | KY MB757252 & MC763707 | TX view complaint policy at barrettfinancial.com/texas-complaint | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106



Thinking about buying a home? Be careful with buy-now-pay-later services like Affirm or Klarna. Even though these payments often don’t appear on your credit report, mortgage underwriters review bank statements and must count recurring payments toward your debt-to-income ratio, which can lead to common first time home buyer mistakes. This can reduce buying power—or even cause a loan denial—if it’s discovered late in the mortgage process. Always disclose these payments early and avoid opening new ones before applying for a mortgage to protect your personal finance.