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Reply to "What counts as "debt" when calculating what house I can afford?"
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[quote=Anonymous][quote=Anonymous]credit card minimum payments count towards your debt. So even if you pay off your balance every month, you will have a minimum payment which will count towards your DTI[/quote] Not really. When you actually get to financing, it'll show how much your CC balance was at the tiem they ran the report, but it doesnt' really make much of a difference. Last refi I did, I think I had $15k on my credit card that month (I always pay it off.. and had a bunch of business expenses that month) and it was no issue.[/quote]
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