Mortgage not reported on credit report

[Joshua Zdunich]

Hello everyone and thank you in advance for any info,

After closing my lender asked if I wanted the loan reported on my C.R..  I didn't know that not reporting was an option.  Does anyone have any experience with this. I would love to have it not reported as it would keep my D.T.I. lower for other future loans.   Do I need to disclose this loan while applying for other loans?

Thanks for your time!

[Wayne Brooks]

@Joshua Zdunich You have to disclose the debt when applying financing anyway, otherwise it’s mortgage fraud, doesn’t matter if it’s reported or not.