Posts: 230
Registered: ‎10-01-2012
Re: Im a newbie! Help me if you can:)

How soon are you trying to get a mortgage? Are you just in counseling about it, or have you already started the paperwork?


It's October, so if it were me and I wasn't in a big rush, I'd wait for the 6/2013 ones to drop, but that's ME.  I'm planning to go after a mortgage next year at this time, so that would give me plenty of time to let stuff fall off and disappear.


If you're already in the midst of applying and qualifying, then they want you to pay things to look better.  I'm actually waiting a year so that these things can drop off and save me the stress of even talking about them, lol.