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VA Mortgage Journey

April 15- Went through Pre-Qualification with first bankDecided after reading different mortgage reivews to go through another bank. April 16- Received another pre-qualificaiton through another...

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First time Home buyer, what are my chances for approval

Hello all. Was wondering what are my chances of getting approved for a home loan. This will be my first time. I'm currently on a road to rebuild my credit as I've made mistakes when I was younger. My...

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Downpayment Assistance (Georgia)

Good morning, I was wondering if any of the real estate gurus on here had any links to any valid downpayment assistance programs in the state of Ga. So far, the only one that I can find that works for...

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Jumbo Mortgage and the long 24 points between us...

For the past 2 years, I've been repairing my credit, hoping today would never come. The day the loan officer called to say "Your score is about 24 points shy of where we need to be to get a lender"....

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New House????

We are currently in underwriting for a VA loan and our septic inspection came back needing almost $1000 worth of work. Seller says we can fix it, but it seem he should. What are my options? Any opinions?

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Accidental short payment killing me

Need your help, I have a mortgage for ten years and never missed or was late for a payment.  However I have one 30 day late.  Suntrust changed my payment by $50, sent a letter to me but I did not...

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From Bad Credit to Owning a Home - I Finally Closed!

In October 2013, I had a personal financial downturn when I quit my job to move back home with my parents to get out of an abusive relationship. Long story short, I had 2 charged off personal loans, a...

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FHA Mortgage - Waiting for the Clear to Close

It has been an extremely long process to buy a house.  I'm excited that I'm finally able to post on here with my progress! BackstoryIn 2009, I ended up having to file bankruptcy after the real estate...

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Student Loan/Mortgage Solution

After reading a few posts these past couple days, it's possible that there is a solution to the mortgage/student loan 1% rule. Instead of a IBR type of repayment plan, if you have over 30k in student...

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FHA and Student Loans question.

I'm currently finishing my bachelor's degree. As of today I have about $30,000 in student loans that are on forbearance since I'm enrolled in school. What amount will FHA use if I apply this week...

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Locked in Interest Rate Today!!!!

My new construction is scheduled to close on July 15th.....locked in my fixed interest rate for 30yr @ 3.375%   - is that a good rate?

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Mortgage loan contingency

I have a been approved for mortgage loan for my new build but they want me to have 10k more in reserves. How do I come up with this in 2 months?? I do not want to lose this house or my deposit. What...

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Mortgage and Student Loan payments

Hello, i'm targing a fall mortgage app and am trying to prepare as much as possible.  My quesion involves students loans.  My loans are currently being paid and have no negatives attached to them, but...

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FICO Mortgage Scores Exact Match to Bureau pull

I joined the MyFico reporting and monitoring service in May. The chief primary reason was to get those valued FICO Mortgage scores. I was pleased to learn that when US Bank ordered the credit pulls and...

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Mortgage Reported to Credit

So I had been waiting for my Mortgage to hit my credit reports. It did and at least per Myfico my scores didn't change. I have the 29.95 plan that monitors all three so a little surprised as I expected...

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2 Year plan to prepare for a mortage

Hey,    A little bit about my credit life. In June 2014, i applied for Ch 7 bankruptcy and it was discharged in October 2014. I learned about this forum in February 2016 and thus my rebuilding journey...

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Loan Application going to UW - Odds for approval?

Long time lurker here, you guys have helped me understand so much about how to prepare myself for buying my first home. Pre-approved for $130,000 FHA loan at 3.75% which we locked in, found a house we...

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Refinance + HELOC

My wife and I bought our first home back in June of 2014. We bought through FHA and have been diligently paying but now we'd like to refinance to get rid of the FHA PMI and we were looking at adding a...

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Need advice

We are going to begin building our dream home within the next month. I am very excited about that, but now that this is all becoming real I am getting cold feet about the financial part of it. Our loan...

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How long after a 120 day late can I qualify for a mortgage?

Went through a divorce and ended up with a 30-60-90-120 day late on my credit for Oct-Jan. Despite the lates, my scores are all currently in the 650 range (I think because I have 50k of credit...

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