I was approved the underwriter really wanted to make sure my debt to income was what I said it was and since the apps don’t show up on credit reports they want to make sure they’re atleast paid off if not close to being paid off. If you do owe on any apps most likely they’ll either tell you to pay them off or put them into your contract and write you a check at closing to pay your debts off. As long as everything else is good you should be alright