Can you make me less worried? *Serious answers only!*?
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This is like my 4th post, I want to give all the facts this time.
I am near the end of my loan closing. My rate lock ends next Sunday. My loan was with the underwriter but its been transfered to the closing department. My credit score is 786 as of last time I checked. I picked out furniture at a local chain store, and I applied for their Preferred Shopper Card. I have not been billed yet and will not be until after delivery. I have more than enough money in the bank to pay for this purchase when it will be time to be billed, as well as enough for my closing costs/down payment. I don't even know if this will be discovered by the lender, but if it does, do you think an explanation will be enough? Will they even care? I want SERIOUS answers.
Can you make me less worried? *Serious answers only!*?Your lender will not care, period. Your credit score is above average and you are not a risk. The only reason they would care about your balance is if you had past debits which were slow payoffs as it would go to help prove your present worthiness
Can you make me less worried? *Serious answers only!*?My serious answer is you will have to sign a paper at closing saying nothing has changed in your finances since when you filled out the loan application.
If you sign that without telling them about the furniture that would be a lie. But it could look like a mistake- that you forgot about that furniture or didn't know that it mattered.
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