With the additional information you provided it is an easy answer. Congratulations on paying the card off each month and not incurring the interest charges. All you have to do now is get the balance down to about 7-10% of the credit limit you have for the card (gets you the maximum credit score factor); your credit report will show it at that level within 30-60 days (depending on when it the lender's reporting cycle you are); and; you are good to go.
I recommend people like yourself, however, who know they are going to be buying a home, get in to see your lender about six months before you wish to close. The sooner the better as you sound almost ready. You would not believe how many otherwise well-qualified prospective homebuyers have some little dings on their credit reports which take time to correct. If you wait until you are ready to buy, you end up either paying higher costs to get rapid results or you end up paying a higher interest rate than you otherwise would have.
Once again, give my team a call or email us and we can work to obtain the best results for you and your particular situation.
Bill Parker, CPA*
Parker Gale Team
Sr. Loan Officer
*Licensed, no longer practicing
15730 N. 83rd Way, Suite 103
Scottsdale, AZ 85260
Phone: 480-525-8496, EXT 743
MISSION STATEMENT: To create an unbelievably enjoyable experience for my clients, while guiding them through the most important financial transactions of their personal lives. My clients know me as their Mortgage Lender for Life. I truly appreciate your referrals.
If you think it's expensive to hire a professional to do the job, wait until you hire an amateur.
Red Adair, Oil well firefighter