Q: My questions I guess are if I am on the CAIVRS system from my previous USDA mortgage
How do I go about getting myself removed?
A: First, it's easy to check. I run all my borrowers through the FHA Connection upfront who tell me that have had a previous foreclosure on any government insured loan. It we get am "Authorization" that's great. But if we get a "Claim Number", it gives up the contact number so we can find out when the CAIVRS claim will be removed. The cure date is 3 years from the date that the Agency paid the claim. If it's past that date, I have the process dialed now so it can be removed pretty quickly.
Q: Will my DH student loan forbearance prevent him from being on the loan?
A: Incorrect. Do will have to factor in a 1% payment on any SL in deferment or forbearance.
Q: Also we have a car that was not reaffirmed in the bankruptcy that is showing up on our reports with late payments pre bankruptcy but then states “included in CH7” with nothing reported since the discharge. Will this affect us?
Hope these answers help you!
Q: I have 2 student loan lates from (2015) before the bankruptcy that still show up on my reports, Will this affect us?