Paying off credit cards before/at closing

[Wovenyarn]

Among the snags that I have run into during the mortgage process, one of them if the fact that part of my child support will stop within the next 3 years because one of my children will be 18. This decreases my monthly income and is now putting my loan in danger.

I have a few small credit cards but the monthly payments are being counted towards my dti ratio. My question is, can't I pay those off before/at closing and free up the difference in child support that I'm losing? Some of the payments are only $25-$35 monthly but one is $57 and one is $67. Combined they are close to the difference in income.

[DallasLoanGuy]

we will still use the credit card payments against you unless you close the accounts.

you cannot pay down/off revolving credit to qualify....... a closed credit card is an installment account

[BarackOdrama]

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@DallasLoanGuy wrote:

we will still use the credit card payments against you unless you close the accounts.

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Does that apply if you paid your cards down to 0 before applying?

[Wovenyarn]

I thought that with the new loan qualifications, you don't have to close the accounts anymore. Or is that just like Freddie Mac?