samantha1178

has anyone had their TU split files merged too? what a nightmare for my TU report.

I know that this has been discussed a million times; however, I have a question regarding the homebuyer's tax credit. a) I sent it with my normal taxes and I only sent the HUD statement and the settlement paper with all of the charges, whatever that is called. I can't believe I screwed up my regular taxes by not sending in a mortgage statement and those other require documents I just found out about through an article. Will they send my forms back asking for these additional documents, or can I go on and mail them separately from the taxes. Its a USDA mortgage, looks like they could easily check things out. What would you do?

Yeah, you read correctly. He denied the loan, but at the same he sent a preapproval to the realtor. If I understand right, it was under the condition that my husband got a 620. All this is with the mortgage guy, now we are waiting for the USDA approval. He didn't send the package to USDA until his scores were up. Now, I wonder how long that will take.

Update: He got the points and we are waiting on the usda underwriting after sending in all the docs. I am just hoping that last credit pull will still look the same! The mortgage guy is being positive, but he is telling us not to celebrate until 5 minutes after closing. Boy, this is stressful.

I would like some opinions on my situation. My husband and I found a house that we like. The realtor put us in contact with a mortgage company who denied our loan (USDA). However, he gave us a preapproval and sent it to the realtor. He told the realtor that he is 97% sure we will be financed. My husband needs 19 points on Experian--the condition. He typed some letters to mail to the credit bureaus disputing everything negative. It is mostly things that are 7 years old, which should come off soon . Now he is 97% sure he will get the points. Anyway, we are supposed to close Dec. 15 as long as he gets the points. I have good credit, but I did not fix mine this way. I worked directly with the CA'S or creditors. And no I can’t be on the loan, as I am still in school. They have took down the for sale sign, we paid the earnest money, and all is going well. But, I am still concerned about the 19pts…What do you all think?