Going back to look at the house today after work that appraised low and they accepted another offer which fell through. If im still interested, they will accept the offer I put in.
I had went back and got another preapproval at 335k when I wasnt finding houses in the 300-320k range. This house is only 265k. We liked the house but the kitchen is a little smaller than houses we have looked at since. I had a refer/eligible when I first got my preapproval and they asked for letter of explanations about my collections, 2 months bank statements and 2 year rental history. My lender was just waiting on a executed contract from us and he was getting ready to send my disclosures on the last house that accepted my offer.
Current mortgage scores were 661(EQ), 679(Trans) and 675(EX), on July 5th. I pay for Experian subscription so I know my Experian hasnt moved. I'll find out on the 5th of August via my 3B if the others have changed.
I still havent paid that last collection off , so its showing one on my credit still. I was waiting to see if it would be a deal breaker with underwriting. its with PFD and they offered a settled amount to pay it off.
012019 Fico8/Mortgage Score: 
