08/22/2026
😂 She wants the HOUSE…but hasn’t been paying that CAR NOTE on time!
Then the loan decision comes back:
YOU ARE NOT… APPROVED! 😭
And suddenly I don’t want to talk to anybody. I’m going straight to the pantry! 🏃🏾♀️😂
It’s funny in the skit, but here’s the real-life lesson:
If you’re planning to buy a home, what you do with your credit BEFORE and DURING the mortgage process matters.
Late payments can negatively affect your credit. High credit card balances may affect your credit score and monthly obligations. Taking out a new car loan or other debt can increase your debt-to-income ratio. Collections, missed payments, and other changes to your credit can also affect mortgage qualification.
So if buying a home is part of your future:
🏡 Pay your bills on time.
🏡 Keep credit card balances under control.
🏡 Think twice before financing that new car or furniture.
🏡 Avoid opening unnecessary new accounts.
🏡 Don’t make major financial moves during the mortgage process without first understanding how they could affect your qualification.
Protect the credit today so you’re in a better position for the KEYS tomorrow. 🔑🏡
Malisa Walker, MBA, REALTOR®
Keller Williams Preferred
📲 409-692-7768
🎬 Featuring Shanisha Greer, Broker | Greer Real Estate Solutions