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You may have two mortgages reporting for awhile, or you might not. It all depends on when your old mortgage lender reports paid off and the new mortgage lender reports to the bureaus. There isn't a standard amount of time that either reports, it's unique to each person's situation.
However, with any inaccuracy on your credit report, as long as you can document the correct information then any potential creditor you are applying with should accept your documentation. So don't worry if both mortgages report, just let whatever creditor you are applying with know the old one has already been paid off.
@CreditInspired wrote:
Kudos to you OP for refinancing home and auto, and saving more than $800/mo. That‘s awesome!
Thank you! I managed to get the last of my high interest credit card debt moved to abalance transfer card as well! Went from $10,850 @ 17.49% to 5.99% for 18 months!! Now my highest remaining interest rate is 10.5% personal loan!
I am waiting for the dust to settle, scores to update etc to see where things up end and then will try some prequals to see if can potentially get a lower percentage loan to save more on interest as well. I have come such a long way since February when I had my reality check and it's really exciting to pull off stuff like this as it will only accelerate my climb out of this pit!!
@Anonymous wrote:
@CreditInspired wrote:
Kudos to you OP for refinancing home and auto, and saving more than $800/mo. That‘s awesome!Thank you! I managed to get the last of my high interest credit card debt moved to abalance transfer card as well! Went from $10,850 @ 17.49% to 5.99% for 18 months!! Now my highest remaining interest rate is 10.5% personal loan!
I am waiting for the dust to settle, scores to update etc to see where things up end and then will try some prequals to see if can potentially get a lower percentage loan to save more on interest as well. I have come such a long way since February when I had my reality check and it's really exciting to pull off stuff like this as it will only accelerate my climb out of this pit!!
You have taken control of your destiny; and yes, it's a wonderful feeling and accomplishment.