Secure Your Dream Home Even With Maxed Credit Cards

Even with maxed-out credit cards, you can still secure your dream home by strategically managing your finances and exploring creative mortgage options—browse options now to discover how you can make homeownership a reality.

Understanding the Financial Landscape

When your credit cards are maxed out, securing a mortgage might seem daunting. However, lenders consider several factors beyond your credit card balances. Your credit score, income stability, and debt-to-income (DTI) ratio play crucial roles in mortgage approval. A high DTI ratio, typically over 43%, can make it challenging to qualify for traditional loans¹.