A front-line AFS phone rep will not be equipped to answer questions about their credit-reporting procedures, nor likely will supervisors.
I dug this up last year in response to a similar question, although please note that originating mortgages isn’t how I make a living.
Obviously Fannie Mae isn’t the investor on every mortgage, but many investors have similar themes across various topics in their underwriting requirements.
If you aren’t on the bleeding edge of DTI requirements, the new mortgage company won’t care if you’re leasing 31 cars.