We applied for a mortgage in November and got the pre approval. I April we formally applied as the house we were buying was nearing completion. Now fast forward (after months of contractor issues) we are set to close tomorrow. But the mortgage officer asked on Wednesday for landlords info to verify we rent.
The picture of our finances looks like this.
We have past medical judgements, all have been paid. No collections anymore, 3 credit cards and 2 installment loans, all paid 100% on time. Credit scores are in the high 670s to 680s. The problem is I cannot get a VOR from landlord. I have paid in advance and have not made a payment to her since January and we are paid through June. I will have a bill coming at the end of this month for our final payment. I have checks to show from June 2018 to June 2019 that we have paid that full amount. But LO wants her phone number and I don't have it. She sends me a slip in the mail with no return address and I drop the payment in a little box attached to her house. I have gone over several times over the past few days since he asked and she has been gone (I assume holiday weekend travels but I have no way of knowing).
What can I do? I can't understand why he wouldn't have told us this was a possibility and to be keeping good records - seems like he would have. Is there anything I can substitute? I have utility and insurance bills with that address I can show?
I wish I had known this could get us in a pickle but we live in a place where life is slow and easy going and people don't get too worked up about contracts and contact information. I mean I gave her my mailing info at a city Hall meeting when she told me she heard I bought a trailer in her court. It's so informal, no paperwork to document anything.
