topic Re: I'm a little nervous can someone help in Mortgage Loans

I'm a little nervous can someone help

Ups77 — Sat, 01 Aug 2015 20:11:59 GMT

i was pre qualified with usaa for a va loan. I just went back to work after being out on workmanship comp. My average weekly pay is 1507.00 when I was on comp. My disabilitay pay is 908. I've been at my job for over 9 years. I've been back to work for 2 weeks. The loan is for 414000. Usaa keeps saying it's not a problem that I've been out for18 months I'm just nervous. My total dti ratio is 508. Usaa also ran my credit all scores over 760. I'm paying 800 for an inspection next week I'm just scared about I was on comp for so long. I did have 2 surgiers though. I owe on on credit card 2450 cl 19500. Harley payment 286 quad 172. Overall credit 118,500 so about 1 to 2% utilization.

Re: I'm a little nervous can someone help

cem13 — Sun, 02 Aug 2015 02:32:23 GMT

@Ups77 wrote:
i was pre qualified with usaa for a va loan. I just went back to work after being out on workmanship comp. My average weekly pay is 1507.00 when I was on comp. My disabilitay pay is 908. I've been at my job for over 9 years. I've been back to work for 2 weeks. The loan is for 414000. Usaa keeps saying it's not a problem that I've been out for18 months I'm just nervous. My total dti ratio is 508. Usaa also ran my credit all scores over 760. I'm paying 800 for an inspection next week I'm just scared about I was on comp for so long. I did have 2 surgiers though. I owe on on credit card 2450 cl 19500. Harley payment 286 quad 172. Overall credit 118,500 so about 1 to 2% utilization.

What are you worried about? The U/W has already said that you will not be penalized for being out of work. The U/W will contact your employer though just to confirm. Your scores are great and your DTI should not be a problem.

Again, what are you worried about?

Re: I'm a little nervous can someone help

Ups77 — Sun, 02 Aug 2015 07:50:39 GMT

I just worry because I haven't seen that many good reviews for usaa.

Re: I'm a little nervous can someone help

Revelate — Sun, 02 Aug 2015 18:15:54 GMT

@Ups77 wrote:
I just worry because I haven't seen that many good reviews for usaa.

Problem is people generally only post negative comments; see the Chase bashing that has been occurring here as of late.

Don't make trouble for yourself, relax and if something comes, then react to it.

Re: I'm a little nervous can someone help

ezdriver — Mon, 03 Aug 2015 15:39:22 GMT

I totally agree with revelate's guidance. It's OK and natural to worry some ... but don't drive yourself crazy. as he stated, just address issues as they arise ... one step at a time.

All the best and I hope that it all works out well for you.