It’s so tempting to buy what you want now and spread out the payment over several months or longer.  Retailers know this, which is why it has become a popular way to shop.  What happens when you use this service and you are preparing to buy a home? Lenders consider these short-term loans as debt, and they may affect your ability to qualify for a new home.  Before you click that button, let’s talk, and I’ll walk you through how to prepare your finances for purchasing a new home.