Home Buying in 21225 : Advice

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Robert Hanson, Real Estate Pro in Silver Spring, MD
Robert Hanson answered:
hi, planning to buy a house of 500k, my sal details latest w2 100k, last year 82k. credit score : mid : 760.
Hello, You are in a tight situation, but with an experienced lender there may be a way through it. Not all deposits are dis-allowed you just have to be careful to document properly. I w ... more
0 votes Share Flag Fri Feb 7, 2014 Home Buying in 21225
Marlene Pais…, Real Estate Pro in Baltimore, MD
Marlene Paisley answered:
My loan is in underwriting, what are my chances ? here's the facts
I like Akil's answer best. I'd add to deal with your lender and agent. If the deal may tank due to DTI; they should know how to re-direct you. MOVE FAST!! Word on the streets is that Fa ... more
0 votes Share Flag Tue Dec 10, 2013 Home Buying in 21225
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
Can My FHA loan still be denied after Pre approval?
A pre-approval doesn't necessarily lock anything in. In a lenders point of view it's saying "based on everything so far I can give you a loan." But there are certain things that may cha ... more
0 votes Share Flag Thu Aug 22, 2013 Home Buying in 21225
Curly Sue, Real Estate Pro in Texas
Curly Sue answered:
I recently refinanced and I want to know - Does the bank have rights to use my Escrow account balance to pay off my loan?
How should they have paid off your loan? I guess I'm confused by your question...
0 votes Share Flag Fri Apr 19, 2013 Home Buying in 21225
Akil Walker, Real Estate Pro in Bowie, MD
Akil Walker answered:
Thoughts about why Wells Fargo denied my fha loan?
Hi Brilyn

I am assuming your DTI (Debt to Income ratio) went up or something popped up on the credit. I would recommend you obtain a second opinion from another Loan officer.

... more
0 votes Share Flag Tue Nov 27, 2012 Home Buying in 21225
John F Sulli…, Real Estate Pro in Bethesda, MD
John F Sullivan answered:
Can i re apply for an FHA loan after denial?
If you were denied, I would recommend you stop by the Convention Center Nov 29-Dec 3. Neighborhood Assistance Corp of America (NACA) is hosting an event where they will be able to help ... more
0 votes Share Flag Tue Nov 27, 2012 Home Buying in 21225
The Roskelly…, Real Estate Pro in Odenton, MD
The Roskelly Team answered:
I received a commitment letter from Wells Fargo and they gave me a closing date of 4/27/11. They called me the day of denying me. What can I do?
Hi V,

Other factors go into a loan approval besides credit score. If anything changed while your loan was processing including credit score, debt ratio, new credit or change in empl ... more
0 votes Share Flag Fri Jun 22, 2012 Home Buying in 21225
Ahmad, Real Estate Pro in Lutherville, MD
Ahmad answered:
i was deniad becouse of my credit bureau im now clean
The best way to know if and when you can reapply to purchase a home is to find a loan officer who you feel comfortable with to pull your credit report and advise you on this. ... more
0 votes Share Flag Fri Jun 22, 2012 Home Buying in 21225
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