Sneaky Realtor - ABA disclosure
So Im buying a home and closing soon. My realtor tried to get me to sign anAffiliated Business Arrangement for a different settlement services company from my contract. Is this legal?
View ArticleUnfiled 2015 Taxes- Currently Not Collectible Status
I have applied for a mortgage and was Approved Eligible. I also applied for down payment assistance, and was approved for 3% assistance. When I was going to send my 2015 Tax return, I went to Turbo Tax...
View ArticleCurrent Lowest VA Home Loan Lender Interest Rates?
Anyone know of which lenders are offering the lowest VA home loan interest rates? Or historically have offered the lowest? I'd rather only apply to a few lenders instead of dozens hoping for the best...
View ArticleMortgage FICO scores UPDATE!
05/17EQ 565TU. 602EX. 60307/17EQ 595TU. 614EX. 61308/17EQ. 605TU. 628EX. 624I wanted to do an update. Couldn't find my original post with scores so I made this new one. Will post again in 3-4 weeks and...
View ArticleFirst Time home buyer with baddies Wanting out of Illinois
1. Mortgage Credit Scores:Unsure last I check on CK was around 589 to 620 2. Credit Negatives:Few collections and what not. Totalling around with repo I had years ago 15k 2-3 months until it falls...
View ArticleMortgage score version updates?
Hi Everyone,I was wondering when the fico mortage versions update? My regular scores have been updated for august but for some reason the verions they use for mortagage companies haven't updated since...
View ArticleBeginning First Time Home Buyer
How much do lates on Auto Loans and CC's look when buying a home?
View ArticleChances of qualifying for USDA guaranteed home loan
I applied for the USDA direct loan today and was told my income is too high but I was told to look into the guaranteed home loan program. I am wondering a few things. Will I qualify based on my income...
View ArticleSneaky Realtor - ABA
So Im buying a home and closing soon. My realtor tried to get me to sign anAffiliated Business Arrangement for a different settlement services company from my contract. Is this legal?
View ArticleLooking at applying for mortgage 4 years after foreclosure
Hi.... looking to get preapproved later this month for a mortgage. It's been a little over 4 years since my foreclosure happened - finally got my career back in place after downsizing at my previous...
View ArticleClik here to view.
Anyone else anxiously awaiting pre-approval?
So thought I would make this for other people who are also waiting for a pre-approval. Please list date you submitted app and name of lender. I am waiting for my LO at NFCU after submitting documents...
View ArticleWhat does "authorized user tradelines and payment shock" in the credit...
Good morning all,What does "authorized user tradelines and payment shock" in the credit analysis mean? It is listed in a string of qualifiing requirements from the USDA along with all the normal...
View ArticleNew credit during mod
My bank just approved me for a trial loan modification. When I submitted my application I had to include all collections, judgments and credit card information.And I just received an offer from my...
View ArticleBest Military Bank VA-CashOUT
620ish CS, lots of CC debt BUT 100% VA/ARMY Disability, 100%CRSC, SSDI, and w some additional partial VA Caregiver money as a little extra on the side. So, there is plenty of money for bills now and...
View ArticlePreparing for Mortgage within next year. Questions.
Hello, all. My fiance and I are looking to get a mortgage once we get married. This will be our first mortgage, so this side of things is very new to us. We both have high 600 scores and should be...
View ArticleMortgage pre-qualification
I have a 657 credit score, but when I inquired about a mortgage with an online mortgage company, my score came back as 534! Why does it significantly differ and if I went to my credit union, would it...
View ArticleMortgage Preapproval Different Between Lenders?
Hi! My husband and I are preparing to buy our first home. We are wanting to spend around $240k. We contacted a local mortgage broker and were preapproved for $250k. My husband spoke with a coworker who...
View ArticleMortgage inquiry raised FICO score, huh?!
So was I got a FICO alert immediately when my LO pulled the scores last night and just now I got another alert showing it went up 2 points on ironically Equifax which tends to drag it's feet on giving...
View ArticleWaiting anxiously on Navyfed Military Choice
We have been waiting patiently for a week for our loan officer to contact us after submitting our preapproval application and uploading our documents. The voicemail response is that she will review it...
View ArticleIRS payment plan and va loan
I am meeting with a loan officer tomorrow and she asked that I bring 3 months of statements showing my payments to IRS for my payment plan. Is it a big deal that they are usually 2-4 days late every...
View Article
