Dude, this is why you get so much shit in so many threads. I know your advice is well-meant, but it doesn't serve anybody to perpetuate bad "information". You make patently incorrect statements, then when you get called out you become intellectually dishonest and try to change the subject rather than admitting you were mistaken. Your previous about how utilizing margin is a "loser's game" and runs the risk of triggering a margin call, not about mortgage lenders potentially getting spooked about tiny ripples in your DTI ratio. And not that the analogy matters, but "going on margin" is not like opening a new credit card. If you've been approved for margin trading, it's like utilizing the open credit line on a card you already have. It's just a question of how you utilize an existing credit facility. So: yes, if you max out your margin credit buying dot-com stocks on the eve of the crash, you're going to get killed. If you simply use available margin credit as an advance on funds you've already transferred to your brokerage account but which haven't yet been credited, there's nothing that makes that a "loser's game".