Do you actually need to get new cards?
Can you wait until EX clears up?
Disco is giving you some hint that something changed with the 14 month dropping to 6 months and the APR jumping to 23%.
Chase.... you know the 5/24 rule comes into play and put them at the top of the list if you're planning on going through with this. I can say that FU is a good pick up for $500 spend and $150 back. Easy to meet and $150 is a good deal for an easy spend. Freedom doesn't do much other than rotating 5%. CSP is an AF card. Maybe Slate for 0% BT's down the road or Amazon if you shop there for the constant 5% discount on Amazon purchases. (I would wait for things to clear up and get your scores leveled off a bit since I did the FU/Amazon thing and one app hit EQ and one hit EX)
NFCU is probably an easy get if you have a membership for 15-25K based on similar profiles.
Amex - EX puller......Pre-Quals are nice but, until you apply you don't know. I suspect until things refresh you might get stuck with something around $1000 for a CL
Citi is a consistent low baller when it comes to opening limits
HD/Lowe's..... they're a novelty card to have around since they're captive and can only be used there... for most they're just a buffer for utilization and not much more.
Don't apply for furniture financing since it's a drag and captive. Figure out what you can get with others above and use those instead of opening a one shot CC / financing for furniture.
Not sure why you are going for the personal loan though on BBVA.
Yes, getting a mortgage can be exciting and also can be stressful at the same time with all of the little things that come along with it. Don't overthink things and go overboard spending even more money than you really need to. Sure a riding lawn mower is a nice thing to have but, if you're not talking acres then it's overkill when you can get a walker or pay the kid down the street to do it every other week. Massive spend on furniture to go in the new space is always tempting but, you already have furniture right?
You're talking about spending at least 10K right off the bat when you move in and that's a good chunk of change to be throwing around. Do you really want to spend 2-3 months of discretionary funds? I would get things closed and moved before jumping the gun on all of these plans. Once you're in the new place and get to noticing things it's possible you'll easily be able to meet the $500 spend on just little things you didn't notice before buying the place or during the inspection.
It's safe to say that when the dust settles on closing and moving that your mortgage will take at least 3-6 months to start reporting so you have plenty of time to figure out and prime the scores before taking on the apps and drops in AAOA / score from doing so. You might be able to squeak out an extra 20-30 points in that time when everything shows paid in full and the EX issue gets cleaned up. Even waiting for the new mortgage to show up might be a better idea as it might push you over the hump when it comes to a borderline approval situation as well.
Just take your time and shoot for your long term goals when it comes to putting this into action. You'll appreciate it more down the road when you look back at the choices you make 
@austinguy907 wrote:Do you actually need to get new cards? Good question and does make me think. Quick answer - No. Then again, (not to seem flippant) does anyone? Not really.
Can you wait until EX clears up? No promises that happens anytime soon without some luck.
Disco is giving you some hint that something changed with the 14 month dropping to 6 months and the APR jumping to 23%. To be honest, I don't know why this changed and it might be wise to wait on this one.
Chase.... you know the 5/24 rule comes into play and put them at the top of the list if you're planning on going through with this. I can say that FU is a good pick up for $500 spend and $150 back. Easy to meet and $150 is a good deal for an easy spend. Freedom doesn't do much other than rotating 5%. CSP is an AF card. Maybe Slate for 0% BT's down the road or Amazon if you shop there for the constant 5% discount on Amazon purchases. (I would wait for things to clear up and get your scores leveled off a bit since I did the FU/Amazon thing and one app hit EQ and one hit EX) The CFU has the spend bonus. Can wait on Freedom. Wife has Amazon so we already get 5% on Amazon orders.
NFCU is probably an easy get if you have a membership for 15-25K based on similar profiles. I'm a member and expect a SL in that range.
Amex - EX puller......Pre-Quals are nice but, until you apply you don't know. I suspect until things refresh you might get stuck with something around $1000 for a CL
Citi is a consistent low baller when it comes to opening limits
HD/Lowe's..... they're a novelty card to have around since they're captive and can only be used there... for most they're just a buffer for utilization and not much more. Good points and have been leaning toward waiting on all these cards.
Don't apply for furniture financing since it's a drag and captive. Figure out what you can get with others above and use those instead of opening a one shot CC / financing for furniture. No worries. Not using their financing.
Not sure why you are going for the personal loan though on BBVA. To consolidate a few things.
Yes, getting a mortgage can be exciting and also can be stressful at the same time with all of the little things that come along with it. Don't overthink things and go overboard spending even more money than you really need to. Sure a riding lawn mower is a nice thing to have but, if you're not talking acres then it's overkill when you can get a walker or pay the kid down the street to do it every other week. Massive spend on furniture to go in the new space is always tempting but, you already have furniture right? Yes and no and too late.
You're talking about spending at least 10K right off the bat when you move in and that's a good chunk of change to be throwing around. Do you really want to spend 2-3 months of discretionary funds? I would get things closed and moved before jumping the gun on all of these plans. Once you're in the new place and get to noticing things it's possible you'll easily be able to meet the $500 spend on just little things you didn't notice before buying the place or during the inspection.
It's safe to say that when the dust settles on closing and moving that your mortgage will take at least 3-6 months to start reporting so you have plenty of time to figure out and prime the scores before taking on the apps and drops in AAOA / score from doing so. You might be able to squeak out an extra 20-30 points in that time when everything shows paid in full and the EX issue gets cleaned up. Even waiting for the new mortgage to show up might be a better idea as it might push you over the hump when it comes to a borderline approval situation as well. Good points.
Just take your time and shoot for your long term goals when it comes to putting this into action. You'll appreciate it more down the road when you look back at the choices you make