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My mortgage scores plummeted with the additon of an auto loan to my file. How long, typically, is the recovery time for the scores?
@ktm214 wrote:My mortgage scores plummeted with the additon of an auto loan to my file. How long, typically, is the recovery time for the scores?
I hope you weren't planning on getting a mortgage soon because getting an auto is a big no-no for lenders. It can blow your DTI if you’re at the edge of qualifying. Well really, getting any new accounts 12 months prior to mortgage application is not recommended.
So, if this is just your pre-planning stage, you’re ok if mortgage application date is 9/2020.