When to app for NFCU

[Anonymous]

Ok so I have been busting my back to get my credit good enough to buy the house I've been renting for the last 4 years and I'm officially closing on the 22nd!! I got my checking account set up with Navy about a month ago.  I want to apply for a CC with them once my house closes. Should I wait until my mortgage is showing on my reports? I've heard they like seeing real estate trade lines. Do you NFCU gurus think I'd have better odds with the mortgage showing or does it really not matter?

[Harvey26]

@Anonymous  As soon as you close you can apply I have seen 10K SL + with navy federal before even buying my home. You should be perfectly fine to apply once you close.

[M_Smart007]

If you are going to apply, do it as soon as you have your keys in hand.

I would not wait for the Mortgage to report. Also would not do it before you close.

Congrats on the future of owning your own home & Happy Holidays.

[Anonymous]

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@Harvey26 wrote:

@Anonymous  As soon as you close you can apply I have seen 10K SL + with navy federal before even buying my home. You should be perfectly fine to apply once you close.

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Thank you!

[Anonymous]

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@M_Smart007 wrote:

If you are going to apply, do it as soon as you have your keys in hand.

I would not wait for the Mortgage to report. Also would not do it before you close.

Congrats on the future of owning your own home & Happy Holidays.

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Thank you. I'm really 😁 

[Anonymous]

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@M_Smart007 wrote:

If you are going to apply, do it as soon as you have your keys in hand.

I would not wait for the Mortgage to report. Also would not do it before you close.

+1 on this.  Don't change ANYTHING on your file until you close - depending on the bank, they will do another pull a day or two before closing.  I had a mortgage loan officer threaten to beat me down for just thinking about major purchase on a CC two weeks before closing!  LOL

And congrats on the new home!

[Anonymous]

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@Anonymous wrote:

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@M_Smart007 wrote:

If you are going to apply, do it as soon as you have your keys in hand.

I would not wait for the Mortgage to report. Also would not do it before you close.

+1 on this.  Don't change ANYTHING on your file until you close - depending on the bank, they will do another pull a day or two before closing.  I had a mortgage loan officer threaten to beat me down for just thinking about major purchase on a CC two weeks before closing!  LOL

And congrats on the new home!

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Lol thank you! Yes I am firmly planted in the garden just waiting haha. 

[Meanmchine]

An important point is to notify all credit bureaus of your new address as quickly as possible once you close.. Doing this will help prevent those "unable to verify identity" issues

Good luck

[Anonymous]

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@Meanmchine wrote:

An important point is to notify all credit bureaus of your new address as quickly as possible once you close.. Doing this will help prevent those "unable to verify identity" issues

Good luck

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Thank you.  This one is easy.  I'm buying the house i have been renting for 4 years lol