When you apply for a mortgage, the lender will evaluate your credit history and financial situation to determine whether or not you are a good candidate for a mortgage. Your credit cards and loans will be a factor in this evaluation, as they can affect your credit score and debt-to-income ratio.

Here are a few things to keep in mind when applying for a mortgage with credit cards and loans:

Credit score: Your credit score is one of the most important factors that lenders consider when evaluating your mortgage application. Late payments, missed payments, or high credit card balances can negatively impact your credit score, which can make it harder to qualify for a mortgage or result in a higher interest rate.

Debt-to-income ratio: Lenders also look at your debt-to-income ratio, which is the amount of debt you have relative to your income. If you have a lot of credit card debt or loans, it can increase your debt-to-income ratio and make it harder to qualify for a mortgage.

Payment history: Lenders want to see that you have a track record of making your credit card and loan payments on time. If you have a history of missed or late payments, it could be a red flag for lenders and make it harder to qualify for a mortgage.

Income stability: Lenders also want to see that you have a stable source of income and can afford to make your mortgage payments. If you have a lot of credit card debt or loans, it could be a sign that you are not managing your finances effectively and could be a riskier borrower.

In general, it's important to manage your credit cards and loans responsibly if you want to qualify for a mortgage. Pay your bills on time, keep your credit card balances low, and avoid taking on too much debt. If you have concerns about your credit history or debt-to-income ratio, it's a good idea to work with a mortgage broker to develop a plan to improve your finances and increase your chances of being accepted