You can simply add the house payment to your list of other monthly payments on the new mortgage application. (themortgagereports.com)
To calculate your back - end debt, add your mortgage payment to whatever other monthly payments you make in relation to housing. (themortgagereports.com)
Even if your credit rating is not that good at present, you should try to improve it by paying the insurance premium amounts and other monthly payments without delay or default. (autoquotenow.com)