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I was pre approved today via HSBC mortgage. My scores are TU 580 EX 640 EQ 616. The LO said I should be fine as they have flexible underwriting. What does that mean? She pre approved me at 3.87% with a 3.5% down payment. It will be an FHA loan
That's about as broad as a statement as can be made. Who knows what she meant. Likely something along the lines of their underwritiing is cut and dry black and white, exceptions and alternative arrangements for certain problems can be found. Really what she said doesn't make much of any sense.
Maybe they use one of those flexi-pens that just twist and are all fun to write with.
To be honest, OP, you should have asked the LO right then and there what that meant.
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