Originally Posted by
roki
I figured I could probably do a decent amount before then if I get a mortgage in, say, 10/2013 (which is a very conservative estimate). That gives me 7 months before the beginning of the 12-month window.
How is your credit right now? One thing that will last longer than 12 months is the average age of your credit. If you have a pretty light credit file churning over the next year could drastically cut your age.
If your score is in the high 700s it probably won't matter, but if you're in the mid 700s, that could push you into the next bracket of mortgage rates, which could end up costing you $$$.
At the end of the day, though, if you're bringing in thousands of dollars worth of travel, the extra points you pay on a mortgage may be worth it.