Buy Now Pay Later is quietly stopping people from getting approved.

Thinking about buying a home in 2026?

There’s a hidden spending habit that’s quietly stopping a lot of buyers from getting approved… and most people don’t even realize it.

It’s Buy Now, Pay Later.
Yep — those small “4 easy payments” can actually raise your debt-to-income ratio and show up on your bank statements in ways that lenders don’t like.

I just released a quick video breaking it all down (in simple, clear steps) so you can start the new year mortgage-ready.

👉 Watch the video here:

If you have questions about getting prepared to buy in 2026, feel free to reach out — I’m happy to help.

— Keji Ogunleye, Your Realtor®
Guiding You Home