Never thought I'd get my DTI down enough for a decent mortgage, honestly. Had to cut out a bunch of small monthly stuff (like random subscriptions that just pile up, you know?), and started throwing every extra bit at my credit cards. Took about six months, but my lender finally gave me the thumbs up. Anyone else manage to lower their DTI and actually feel like it was worth the hassle? Curious if you did anything different or just powered through the basics.
Had to cut out a bunch of small monthly stuff (like random subscriptions that just pile up, you know?), and started throwing every extra bit at my credit cards.
Man, those sneaky subscriptions are the worst. I swear, I found a $4.99 charge for some app I hadn’t used since 2021... embarrassing. I did something similar—canceled a bunch of stuff, then started selling old tech on Facebook Marketplace. Didn’t make a fortune, but every little bit helped. It’s wild how much breathing room you get once those credit cards chill out a bit. Worth it? Yeah, but I miss my fancy coffee subscription sometimes.