FHA and Non Borrowing spouse debt
I have a question for you guys.In a community state. What is considered from a non borrowing spouse credit? Charge offs, collections? I have tried to read through the boards and can't quite figure it...
View Article2015 tax return/do I have to pay to close?
If I file for an extension on 2015 tax returns and close before the extension due date, can the underwriter/broker/etc. make me pay the taxes before closing?
View ArticleHubby was approved for home equity line TD Bank
Hey... Busy weekend for me and the hubby. last month we decided it was time to take an equity and finally pay some tution and remodel our master bedroom (our daughter goes to scared heart university...
View ArticleMy USDA Direct Timeline - Virginia
I have searched all over the Internet for as much information about USDA direct loans and this forum seemed to hold the most relevant info. I started keeping track of my timeline in hopes that it will...
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Is a home refinance possible in 6 months?
Sooo...initially, my intentions were to wait another year before applying for a home loan. However, a few weeks ago, my apartment complex notified me that my rent would increase from $726 to $944 if I...
View ArticleProcess so far
Since this isn't going fast enough I figured I'd let everyone else know where I am in the process. Feel free to chime in with where you are or just general advice.Some background: My middle mortgage...
View ArticleIs there anything more to expect?
Hi all! So I received a Clear to close last week and today my lender sent me a document with closing disclosures of final loan terms and closing costs. I am scheduled to close next Monday. So is this...
View ArticleLarger than expected emergency credit card charge while loan is in UW
Of course this would happen. We have had so many other things not go as expected with this process. My loan (FHA) went into underwriting last week. It was pre-underwritten and the processor felt it was...
View ArticleCLOSED 4/1/2016,,,
Even though I messed up an account in the timeline from pre approval and a collection account popped up I still closed within the month!!! 192000 Home FHA with 3.5% New Construction.
View ArticleHelp/advice
Here is my situation*Scheduled closing 5/63/20 looked at the house3/21 made offer 115k plus 5k in closing costs3/22 offer accepted no counter3/23 contract signed by all parties3/25 completed full...
View ArticleMB Bank Mortgage- Underwriting experience, anyone?
Hello there--- its getting a little more real..... I got notice that the appraisal was ordered today, and in Portland greater metro that means about two weeks before it takes place.My broker also told...
View ArticleLoan with spouses income?
Are there any loans that approve you on no income? I mean I have income, I'm married, sahm/student. My husband and I have been married since 2007, file joint taxes every year. His credit is terrible...
View ArticleHome financing
I have a 621 fico and my husband has a 608-613 fico. We would like to purchase a house with a VA COE. Are there any lenders that will go that low.We would also like to know if there is a way to have...
View ArticlePre-Mortgage/Offer Checklist?
Verify DTI, Price Range, Taxes, Insurance Rates, Down Payment (or lack thereof), etc... are all in line with standard guidelines. Check (VA for me)CRA marketing opt-out to ward off zombies. CheckCall...
View ArticleMortgage after foreclosure questions
So I am rebuilding. I'd like to buy again when my credit can handle it. I currently have 16 derogs from 2010. I'll be down to 11 in 45 days. However the remaining 11 will drop by July of 17. Right or...
View ArticleLate mortgage payment help
unfortunately I was in a bad habit of paying my house note to small local bank on the 29th day. The bank manager was aware of the situation. About four months ago we had to spent almost 7000 to buy...
View ArticleCollection account showing with one bureau
Hi everyone, I am new here, having just got my first 3B report. I had no idea I have a utility account in collections - I was never sent a final bill or called by the company. It was only $42 and...
View ArticleUSDA no longer accepting income based for student loans...
Lender called me today with terrible news, USDA will not accept my income based payment and now requires a fixed payment. We received this today in underwriting, which puts by back-end at about 48%. I...
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Debt to Income (Front End vs. Back End) -- I think I get it???
Ok...I have looked high and low and think I finally found the answer I was looking for. What I am hoping is that it is not just the answer that fits my needs . When it comes to DTI calculations, do...
View ArticleVA Loan
Hello Everyone, It seens as if many ages ago I came here and asked question on my first VA loan, at the time I didn't have any credit issues, now after a divorce and two kids later things have changed....
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