So we are in a construction loan right now and should be finished in the next month. We won't have another closing, they will just roll it into a permanent loan. However, they will check our DTI and credit and pay stubs again just to ensure all is the same. We have accrued some CC debt and thus, increased our minimum CC payments. I know this will throw off our DTI, but we had significant pay raises recently (without changing jobs!) and so even with the increased minimum payments...our DTI is actually lower than it was before.
We should still be good, right?