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Paying down credit card during underwriting?

Hello everyone,

So some quick numbers.

Credit card was 1500.00 balance when credit was pulled for pre approval 3 weeks ago.
Put an offer on a home and now I am in underwriting with a closing date of June 30th.

Since that pull I put 500.00 on that card for home inspection and 1200.00 for car insurance policy that is a package deal for my new home insurance.
As well as a 2500.00 payment for the airbnb we are currently staying in as we searched for a new home.
So now my credit card is a little over 5k.

I will be receiving a pension payout check around 15k this upcoming week.
Would it be ok to pay a big lump sum to bring that credit card back down under 2k?

I gave my mortgage lender a heads up on the airbnb charge. He said its not big deal and he doesn't plan to pull my credit again. He will just use the same one from 3 weeks ago. Just the usual don't open a new card or loan account.

I guess to simplify my question ..Is it ok to make a big payment to knock down your credit car balance as long as you have proof of funds where the money came from?

Thanks in advance

submitted by /u/SCdreamin2021
[link] [comments]

source https://www.reddit.com/r/RealEstate/comments/nonpi3/paying_down_credit_card_during_underwriting/
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