Not sure I'm ready

[Sbrooks1]

Y'all, I thought I would app in January ! MMS now only 661, but have a 90 day late installment loan falling off in December. No collections or CO. Fico 8 have two above 720. Now, I shouldn't have but I did , app for discover it. Got the 5-7 day message, so denial😬Now I am questioning if I will even qualify for a mortgage! Depressed

[Anonymous]

I guess you didn't read the advice of the others who answered in your other thread, but no, you're 100% fine. The LO will ask you about it, and just tell him you applied for a card and was declined. It really is no big deal.

[Sbrooks1]

Thanks bubba!

[Sylvrbak]

SBRooks, you could also "Recon" the decision. There are a ton of posts in the credit card section detailing how to do this. I recently append for an Amex and two Chase cards 1. Freedom unlmtd... Got it no problem 2. Chase Slate had to recon it and got it with a higher limit that the freedom. It's worth a shot as long as it is within 90 days of your HP. 

Never give up up explore all options! Good luck