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After much discussion with the fiance, we decided for me to go VA alone without his (without waiting for the wedding in Oct) help. To see if we can get it done before the end of the tax credit.
I put in my application with navy fed. My LO (can't believe I have one now!) doesn't sound too enthused about talking to me. But she sent the docs to me (holy cow is that alot of paperwork!) and asked me to put in a letter of explanation for the derogs, of which I have.
I was surprised to see my TU score so high. I'm angry that doing the HIPPA process on the one med collection I had owed $ to, ending up being updated as PAID by the CA. (Time for the 2nd letter I guess)
I had prequal'd for $185,000. I don't know if I should be happy or scared. If I didn't have a chance, would she have sent the docs to me?
I understand there is some kind of credit review board, is that the same as underwriting? or something different?
@nathan wrote:
I don't want to sound discouraging, but your scores may not be too good for penfed.
OP stated that navy fed is the CU that is being used. Not penfed.
If your LO is not "enthused" in talking with you - get another one.
Shopping around for a good VA lender is well worth it, there's plenty of them and ratesheets WILL vary depending on the scale of the institution (fees too!)
Hi I wanted to see if you were approved for your loan? My husband just applied for a VA loan with scores in teh low 600 but with a LARGE down payment. I would think they would not send it to the credit review board if it wouldn't be approved right??