Considering buying a home for the first time. Do I need to stop applying for credit cards 120 days out from the mortgage application (or more)? I spoke with a local mortgage broker and he told me I don't need to stop applying but I don't think he understands credit card travel hacking. I don't want to shoot myself in the foot. I have a credit score in the 800s, no debt, will have a small down payment.

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It might be worthwhile to speak with your lender directly to get specific answers based on available loan programs. In general, open credit accounts, even with low/0 balance may be used in calculating your DTI. Ie an open account with say a 5,000 limit means you have potential for example a new debt of 5000. Thus , lenders will likely want to use a minimum payment amount in calculating your debt load. This can impact your ability to qualify based on how many open cards you carry. Perhaps someone else might be able to add to, or clarify this better. Good luck!

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