My husband got the email last thursday that his file has been sent to underwriting.  We are soooo nervous.  He has an old charge off for $4k for a car loan that he cosigned on for his ex-wife.  Our LO told us up front that we may have to pay it but he is reccomending that underwriter not make that a requirement since we are brining $40k to closing as a downpayment.  If we have to pay that debt, it puts us in a bit of a tight spot since we have to pay a large amount of money to break our lease.