The last mortgage I had was overseas. There they factored in the revolving credit by taking the credit limit and the APR, then calculating what the payments would be if you maxed out all of these sources. This means you wanted to have the low credit limits you could work with.
Recently on the radio I heard a report that some mortgage lenders in the US are starting to use a system which sounded similar. I am not sure as I was driving at the time and so was not able to follow the report as well as I would have liked.
Does anyone know if such a system is coming into the US, and if so which lenders are doing this?
I just got pre approved with a total credit line of $3100. They didn't say anything along the lines of what your talking about taking effect so I don't know.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Last App: 4/5/13 Gardening until July 2014
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014