Question About Mortgage Payment w/ Apps

[Sneakytiki]

So I have a stupid question. I can't find a direct answer. Do you just have to include just the mortgage payment itself on the app or mortgage/taxes/insurance?

I've been doing everything combined so I was just curious because one of the reps I had to call said taxes and insurance weren't necessary....lol that was my last app with BoA. My mortgage is $500 lower than everything combined....I hope I didn't potentially mess up starting credit limits. Whatever they'll grow anyways. It happened with NFCU when I was refinancing too so I was just curious. 

Thanks in advance.

[Anonymous]

Just mortgage...no need to include the rest even if you just make one payment that covers all the above

[Anonymous]

It wasn't a stupid question. I assumed one would report the full amount which includes taxes and insurance. Now I know better. Thanks for asking the question!!!

[Sneakytiki]

Ok lol thanks for the info....next time I app in a year or so hopefully it'll help out with debt to income ratios with a new car and better cards.

Thanks!