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It should be noted, My fiance makes 30k a year and we are undecided if we'll put her on the loan too. I understand it will add her income in and lower our DTI since she has 0 in monthly debts. She has absolutely no credit history though.
Please let me know what you guys think!
impossible to guarantee anything, but the file looks pretty easy IMO.
Thank you for the input! I hope you're correct...I feel like hte only bad thing i have is the 3 lates from january 2014 do you think that will hurt my chacnes?
should not, depending on your UW, stay away from the big banks as they will want you to send them your 3rd grade report card!
lol! I hope not, i wasn't a model student in 3rd grade!!
So you recommend a smaller bank for the loan process?
Not saying big banks are not that bad, but some have a ton of overlays (they make the rules tougher)
thank you for the info!! do you have any opinion or experience with credit unions?
some are good, some are bad. I would stick to a national lender.