06/18/2026
🚨 One of the biggest mistakes I see buyers make before closing? 🚨
Using Klarna, Affirm, Afterpay, or other “buy now, pay later” programs.
A lot of people don’t realize these payments can show up during the loan process and impact your debt-to-income ratio. What seems like a small monthly payment can sometimes create a much bigger issue when you’re trying to get approved for a mortgage.
I’ve seen buyers do everything right, only to create unnecessary headaches right before closing because they financed furniture, electronics, or other purchases through one of these programs.
If you’re under contract, my advice is simple:
❌ Don’t open new accounts
❌ Don’t finance purchases
❌ Don’t assume “it’s only $20 a month” won’t matter
Protect the home you’re buying. The shopping can wait until after closing!! 🏡
📞 Dianne Glenn
The Loan Whisperer
214-334-2401
Dianneglenn.com
