Originally Posted by
jmw2323
so if you make say 100k/yr and have numerous cc with a total credit line of 200k, this is a good thing? mortgage company will think low risk?
Well.. that isn't what you said in the the post I quoted. What you stated is completely false and I stand by my original statement.
I believe the riskier person is the person that just recently opened up 5 accounts - I'm not advocating that at all.
And from my own experience of having more available credit than income and obtaining a mortgage and multiple car loans, I'd say that DTI (actual monthly debt/income), down payment, and history play more of a factor than available credit.