BNPL’s Homebuying Twist: From Credit Blindspot to Mortgage Factor

Buy Now, Pay Later seemed like a win—no credit checks, easy micro-payments. But in this episode, Tim Lucas and Craig Berry show how BNPL is moving from a credit-score loophole to a homebuying hurdle (or helper). You’ll learn:Gen Z & Millennials: Why nearly 60% are hooked on BNPL—and what that means for their mortgage futureFICO’s Game-Changer: How upcoming credit models will finally factor in those BNPL paymentsThe Hidden Risk: Why 65% of BNPL users planning to buy a home may face new score setbacksCredit-Building Opportunity: Strategies for leveraging on-time BNPL payments to boost your profileIndustry Shift: What more regulated, transparent BNPL could look like—and how it might help (or hurt) first-time buyersIf you’re splitting small purchases or eyeing a mortgage down the road, this episode equips you with the MUST-KNOW effects of BNPL on your credit—and the smart moves to turn it into a stepping stone, not a stumbling block.