Was it difficult getting approved for a home loan with so many new accounts? Most of my new accounts are almost 1 year old and I didn't want to apply for anything, or have any new accounts when it came time to buy our house. We should have a significant down payment by the end of this year, I'm just wondering how those newer accounts would affect the outcome of a home loan. My husband and I have **bleep** near perfect credit (his in the 800's, mine in the 780's).