After Denying me the other day and me complaining on facebook I get a call and and email from my credit union stating " Please send me detailed letters of explanation for 2 medicals. I need another explanation for M & T Bank charge off auto loan. This needs to be very detailed as well. Once I recieve your letters, I will then take it to the underwriter and see if she would be willing to do the loan for you. As we discussed, you would have to put 15% since we will not be able to obtain mortgage insurance due to higher credit score which is needed. Do you have the 15% to put down on the purchase?" Our scores when Citi Mortgage pulled today is 654/652 respectivaley They never once said they couldn't provide mortgage insurance for the loan with 4% down is this lady just feeding me BS? She stated in order to get mortgage insurance you have to have a 680 score.
