mixer99

I have my jumbo mortgage through them, and they were absolutely outstanding! Highly recommend!

Hi all- Any lenders out there offering jumbo refis that will go higher than 80% LTV?

Update for all- NFCU did NOT pull my credit again before closing! I checked for both hard and soft pulls, and nothing. Just wanted everyone to know in case you choose them as a lender.

ok, so anyone who has been through the process know for sure?

Navy Federal, if you can join, has O down and low down Jumbos...I'm doing one right now!

Anyone?

For anyone who has successfully completed the Navy Federal mortgage process, how many times did they pull your credit? I am being told by the loan officer that credit is good for 120 days and they don't pull again, but I wanted to verify with someone who has actually been through the process. Thanks!

Thanks, Hege...I haven't been asked for 4506-t...my bk7 PR is still reporting through 4/19. So you think waiting until that falls off EXP will yield a good result? Wonder why they even let me back in in the first place? Odd.

Anyone have an email or fax for Amex underwriting? After 22 years, they let me back in with a $1000 Delta Gold. I have charged it up and paid it off in full multiple times each month, but I am constantly declined for an increase due to 'previous derogatory status'. I have plenty of five figure limits on other cards, but I really want the AMEX for travel. Anyone with good contacts OR alternate suggestions? I prefer not to call, but will if I absolutely must.

Got another 10K, today. Total is $35,600 available credit now!

Thanks everyone! 10K bump to a credit line of $25,600! This will help with utilization % and our home buying next month! Note- It DID give verbiage indicating a credit report would be pulled. We are sure that they are ONLY doing softs with this new announcement?

Thanks, Hege...good to see you!

Hi, Looking for lenders who do 5% or less on a Jumbo loan of $650k. I know the following and have relationships with: -Alliant FCU (700 mid FICO to qualify) -Penfed FCU (740 mid FICO to qualify) - Navy Federal (720 mid FICO to qualify) Just want to make sure I don't miss out on a favorite of everyone on CB!

Thanks for replies everyone. Yes, we have a $250K income...NOW, but was a period of both of us unemployed last year and also an unexpected move- all of this maxed a lot of our cards. We have income to pay a lot of this down, but a 6 month, finite period in which to do it so we can qualify for the mortgage. We can/will do it, but just wanted to get some ideas on the best way to mortgage FICO maximization. Thanks all!

Hi All, long term member here, and even we need some advice sometimes *We are in the process of paying credit cards off to qualify for a home loan (we are 6 mos out from mortgage pulls) *Here is what we have right now: 1. Card 1 @ 50% utilization 2. Card 2 @ 50% utilization 3. Card 3 @ 50% utilization 4. Card 4 @ 50% utilization 5. Card 5 @ 99% utilization 6. Card 6 @ 99% utilization 7. Card 7 @ 99% utilization The ones that are at 50% utilization are about $5K each. The ones at 99% utilization are about $20K each. So my question IS- Will I get a better score bump paying OFF/Paying DOWN the 50% utilized cards to near zero OR Would I get a better bump paying the 99% utilized cards to near 50% leaving the other cards at or near their current balance? Assuming I have a finite amount of money to do this, and the payout for either strategy will cost about the same. What say you?