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Does anyone here has experience with Stanley Martin lender in the Northern VA area? I put a contract on a home, got my credit pulled back in May, I did what the lender told me to do to make sure all go smooth for closing. Now, she did a hard pull again, dropped my score 10 points. I am trying to qualify for first time home buyer assistance. ALso I had new collections on my report which I took care of when she brought it to me.
She said I have to wait until the scores "naturally rise". I am not sure why the RapidRescore did not help.
Anyone?
What are your FICO mortgage scores right now? What are your goal scores for approval?
650 EQ
628 TU
611 EX
Lender said 620 to get the VHDA loan for down payment. But at this point I am clueless.
Your scores are either there or very close.
What open credit cards do you have? Post each card, the credit limit, and your current balance.
My CC are zero balance now except for one that is at 40% use. Thats it