Do not close the cards, just do not charge them. Try to get your utilization under 10% for maximum FICO benefit. The higher your FICO, the easier it is when you go through underwriting. if you are in the 620-650 FICO range or so, the UW is much more likely to be looing through everything with a fine tooth comb and much more likely to flip out over anything unexpected that pops up at the last minute. If you can get a really solid FICO score then you get alot smoother underwriting process generally.
