I worked relentlessly to repair my credit to get approved for a mortgage. I have a bankruptcy and a few other post bankruptcy baddies. I was able to build up my score with a few credit cards. It was a point where they all had high balances due to wedding expenses. I paid them all down with the expection of one where I kept a small ~$50 balance. In November my mortgage scores were 586, 587, and 603. After getting a midland account deleted and paying my credit cards down my scores went to 645, 655, and 655 (MORTGAGE SPECIFIC). I applied for a mortgage Jan 23rd 2017 found a home put in an offer, was cleared to close on 3/22/17 had my final walk through the same day and scheduled for closing on 3/27/17.
My experience with Quicken Loans was fantasic. They were all very thorough, honest, and patient. Everything was done online. They have an option where you can upload or fax in your documents. They have a TO DO list where you can check off each step of the process. Honestly they were very responsive and professional. I dont have anything bad to say about anyone I interacted with during this process. I did have some hiccups but it was on repairs that the seller has to completed which delayed some things and some other delays caused by me. I had to write a ton of letters of explanation for different thigs, i had an outstanding debt which i paid off and my husband ended up reimbursing me for that so deposited the money into my account...big mistake! that caused a red flag and had to jump through tons of hoops to get that cleared up.
There were many sleepless nights because of anxiety. I will never say this process was easy by any means. It was quite possibly the most stressful time Ive ever been through. They combed through every aspect of my life with a fine tooth comb, however it was well worth it in the end.
12/27/16 - Eq683 TU666 Ex681 04/05/17 Eq742 TU763 Ex757