It has been 3 days since I was credit approved, and nothing else from the "processor," so maybe they're not gonna make me do anything else. Because of y'all, I always seem to be one step ahead of them, like when I made that big depoist into my savings after the sale of my house. Head UW sees a big jump in savings says- "Aw we got him on this, his gonna have to at least send us a gift letter or something." "Hold the phone sir, he sent all this in on it." I documented that 3 different ways, including notoarized copies of all receipts and check copies. I sent them the HUD-1 paperwork on the sale also.
I wrote a letter on a 75 dollar medical collection from 2010 even though I wasn't asked to. It basically said it was a oversight, plain and simple, and my LO advised to leave it for now, because didn't want to wake it up.
To assist employment verification I sent a copy of my govt PIV card. The gold standard for federal agency membership. Picture and micro chipped. I was never asked for anymore employment stuff again, just updated pay stubs for disclosure meeting.
A long term personal loan installment paid out in April. Knowing it would hurt my score I still had no choice but pay the last payment. A few days letter the paid in full stamp came in with the original agreement from 2009. I knew the paid up loan would at least help my DTI, I sent copies of the PIF paperwork to my LO.
I went down to the State Retirement Systems and asked for paperwork explaining my pension. I was securing a mortgage. "Didn't you give them your 1099?" "I did, but I want a letter explaining that pension is a defined benefit, good for my lifetime, and have one of your notoary stamp it for me." Seperate from the state itself they get things done. I had the letter in 2 days, and sent it to my LO months ago.
My agent advised I should be good, they'll run one last check of things just before closing (June 22nd projection) but it won't be the witch hunt like the others, just a quick review to see if I went out and bought a new motorcycle. I was sitting in the model home office with him a few weeks ago and said. "You know, trying to match wits with the money people on this takes a hour out of my day each morning, it seems like I am always on my desk top checking rates, ratios, credit scores, and other stuff related to buying a house. I ain't ever seen anything like this."
If I can get out of this without a condition, I'm gonna come on fico and thump my chest -"alright sport fans how bout them apples, clear to close NO conditions"
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