I have a secured personal loan that is about to be paid in next 2 months. I am thinking to apply for mortgage soon. Will it be wise to pay this personal loan before the mortgage application? How would this affect my FICO score? Since the loan is most recent account in my credit histrory, closing it may improve “length of credit history” but then only credit cards will remain on my profile so that may affect the “credit mix”. Does the FICO score used in mortgage application look in active accounts to decide credit mix? Your advice is highly appreciated. Thank you.