VA refi help
So I just won a bidding war for a house in a very hot market. The details below. purchase price: 990,000down payment: 100,000closing date: July 14interest rate: 3.85 5/1 ARM (closing costs covered) I...
View ArticleJust realised my rescore was incorrect will this hurt me during closing?
So I just realised that one my my rescores was incorrect. I'm hoping this isn't going to jeopardize the whole process. What happened was I was told to pay down one of my cards and do a rescore.Card was...
View ArticleRealistic USDA approval time??
Hi, Our loan is in underwriting for 2nd time. Once it clears that how long should usda take? We are supposed to be closing the 15th of this month and I feel like Ive read usda may take longer....
View ArticlePaid Old State Tax Liens, Apply for Mortgage before or after update to credit...
Hello, I had two old state tax liens I did not know about, one from 2008 and one from 2011. I have just paid them and they are in the process of getting releases for me. Should I apply for a mortgage...
View ArticleManufactured homes and property with usda direct.
Has anybody here closed a usda direct where they bought property and had new manufactured home installed? The usda office in lake City FL told me I ha e to jump through a lot of hoops. Such as laying...
View ArticleRemoved collections, applying for mortgage in the future
Hi all, tried researching this and couldn't find much. I had a couple collections that recently fell off my CR. These are UNPAID collections at this time. Can I apply for a mortgage with unpaid...
View ArticleNow comes the big waiting game
With lots of good advice from the members of this Board my scores went from high 500's to mid 700's in a couple of months. I got credit approval for a new house, picked one out and now the bank is...
View ArticleNFCC Choice Buyers Program
Hello All, I am applying for a mortgage loan next weekend with Navy Federal. My dilema is; I co-signed a car for my son, $27,000 in 2015. The car is his, and he makes the payments. Will NFCC take a...
View Articlewill late mortgage payments prevent me from getting another home loan?
My credit score is in the mid 650s across the board and i would be putting down 30-40% ( 40-60,000) with the pending sale of my current home but I have a couple 30 days lates in the last 12 months....
View ArticleHow long did your NFCU loan take to close?
Hello,My wife and I are considering using NFCU for a home purchase shortly. Can you tell me how long it took to close? Was it 30 days or longer? I had a conversation with a loan officer at NFCU and...
View ArticleMarried but single income questions
Hello, we are starting to look into mortgages with plans on buying in the next 6-12 months. Currently I am the stay at home parent and my wife is the working parent. I was wondering if it would be...
View ArticleQualify by September/October? All Info Included
Hi All! I posted about a week ago looking for advice. I pulled my mortgage scores today and they are not pretty. I'm hoping we can qualify for a mortgage by September/October. I know mine are bad...
View ArticleQuestion about student loan forebearance and mortgage apps
Hello, I've alterered by repayment plan a couple of times over the years for student loans. When I've done that, they've put on an 'administrative forebearance' which basically leads to 1-2 months...
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Single Recent Grad Considering Home Ownership
My lease ends at the end of August, and my renewal notice should be coming in soon. I love where I live (1bdrm ~750sq ft apt), but I really am someone who loves "my space." I feel like it would be a...
View ArticleIdeas for financing for my situation?
Ok guys, this forum is the home of the experts, so I'm turning to you!I'm desperately looking for a lender/bank for a purchase mortgage. The bad: I have a foreclosure on my credit. The good: my assets...
View ArticleCredit cards in the last six months
I posted a couple months ago asking about how mortgage lenders look at "recently" opened credit cards. The consensus from the mortgage experts here (including some actual lenders who read and answer...
View ArticleAnyone with USDA and SSDI
Hi, My kids get ssdi under their dads disabiltiy. They are questioning my 17 year olds amount of 213 because he will be off next year. THey want a letter but SS will not just write one, they can only...
View ArticleAny high-risk lenders left?
So, my credit is a mess (see here http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Little-Help-Here/td-p/4972756) . As of 05/12, my mortgage scores are 558/545/569. After a recent promotion, my...
View ArticleSolo or joint with wife?
Here's the situation: First time buyer. I've gotten my credit on pace this last year. Should be well over 700 (I'm hovering around there already) by the time we go for a mortgage. My income is between...
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