Installment Loans < 10 months including Car Leases
Quick question: I have paid a few extra payments on a few of my installment loans in order to have less than 10 months remaining. If I remember correctly, the lender will not count those payments in...
View ArticleHow long does it take for a loan to be approved?
Hello All! We were approved for an FHA loan through the AUS. We found a house and the seller has accepted our offer. Our closing date is set for Jan 2nd. Assuming everything goes well with...
View ArticleLE on 30 yr VA_ Is this high?
Services you can shop for: Title-CPL Fee- $25Title-eDoc Fee- $75Title-Endorsement Fee $150Title-Lender Title Insurance $1601Title-Settlement/Closing Fee- $496
View ArticleNeed Help....Mortgage App
Hello Everyone - I am a first time home buyer and thinking of applying for a pre qalification to see if and how much I can be approved for. My mortgage fico from this site is a mid 630, my salary is...
View ArticleAre you with me?
Or am I the only one who looked on Zillow everyday to see if the "views" and "people who love" numbers were going up? LolOnly a couple days from closing. We put an offer the day they started the...
View ArticleMy journey so far, USDA guaranteed
Hello everyone, I 've never really posted before but I do come here often to read and learn. For anyone interested here is my journey with USDA guaranteed so far. July 7th contacted loan officer and...
View ArticleSingle upfront PMI costs, is this too much
Hello All,Just received an email from my lender in response to my question about paying a one time up front PMI so that I do not have to deal with it monthly. The LO advised the cost upfront would be...
View ArticleHELOC Reporting
Hey guys, How will a HELOC report? As an installment, mortgage or revolving? Will a balance be taken into utilization? Thanks, Uncle Money
View ArticleFrustrated
We have diligently working on our credit for the last 18 months. MMS used to be 486... Now it's 616 for my Husband and 677 for me. So we talk with mortgage people every 6-7 months or so and now we...
View ArticleNeed Mortgage Broker........Any Suggestions
Good Morning Everyone, I am thinking of applying for a mortgage in the next month or so, does anyone know of any good mortgage broker in Texas specifically the Dallas area? This is my first home and...
View ArticleVA Home Lon denied
I was recently denied a VA home loan. I have a general under honorable conditions discharge and served 1 year 6 months. I was discharged due to misconduct. Does anyone know if there's anyway to solve...
View ArticleMy LO requests items to approve my loan?
My LO is requesting and explanation of my other names showing on my credit report, and the 4 diffrent addresses on my credit report with my signature and an explanation of the 25 inquiries between all...
View ArticleNeed a LOE for 25 inquiries
Im afraid..... i obatined the bulk of my inquires in May/June of this yr and one recent account with conns within the last 30 days because we needed a new tv. My utilization is 16% overall.... I was...
View ArticleLetter of explanation for credit inquiries
Hello allI just received my condition package from lender and they are asking for LOE for credit inquiries. I'm not sure exactly what 2 are except mortgage shopping and the other is my Verizon. When we...
View ArticleConv PMI question
Applied for a conventional loan thru a broker builder. Home will appraise around 330k, I am putting 10% down. House is being discounted 33k so btwn the discount and my down, i will owe less than 80% of...
View ArticleBest online mortgage company?
Do any GOOD online mortgage companies exist? I would be a first time home buyer but right now I am in the process of trying to rebuild. I know I have a ways to go but NO local banks are willing to...
View ArticleHelp. Home inspection
I had my home inspection today and was told the roof shingles were in the last stage of life. The inspector stated he was surprised the roof last through 2 hurricanes. We are in Texas coastal area....
View ArticleIncome Documentation
I am self employed and will be closing on a home in March. I know the lender will need my 2015 & 2016 tax returns to document my business income. Will they also need a year to date profit and loss...
View ArticleWhat are the loan phases? How do they work?
What are the phases of my loan with a new build? I initially recieved a pre qual and put earnest money down and have already selected my item at the design center and we signed the contract on 9/24/16...
View ArticleLate payment on an old mortgage?
I have owned this house since 2003, and never had a late payment to my knowledge. My CR shows a late payment in 4/16. Mortgage has since been sold to another servicer. I called today and they said...
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