You searched:
“can I get a mortgage with lots of credit card debt”
Credit card debt affects your mortgage qualification through your debt-to-income ratio and credit utilization score, but it does not disqualify you. Strategic paydown, consolidation, and the right loan program can work in your favor.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1High balances from living expensesSolution exists
- 2Emergency expenses charged to cardsSolution exists
- 3Balance transfers accumulated over timeSolution exists
- 4Minimum payments barely cover interestSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Strategic Balance Paydown
Paying cards below 30% utilization can boost your score 20-40 points. Target the highest-utilization cards first.
Available nowCash-Out Refinance
If you own a home, consolidate credit card debt into your mortgage at a much lower interest rate.
Available nowDebt Consolidation Before Purchase
A personal loan to consolidate cards creates one lower payment and can improve your DTI ratio.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Credit card debt does not have to stop you.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
There is no fixed amount. What matters is your DTI ratio -- all monthly payments versus gross income. If total debts including the mortgage stay below 43-50% of income, you can qualify.
Not necessarily all of them. Focus on getting utilization below 30% on each card and paying off the cards with highest monthly minimum payments to improve your DTI.
If buying: no, but you can consolidate before applying to lower your DTI. If refinancing: yes, a cash-out refinance can pay off credit cards at a much lower rate.
Credit card debt does not have to stop you.
We will reach out at a time that works for you. No pressure, no obligation.