How much is it above 15%? I have found if it is slightly over, the time of the month it is pulled makes a big difference. If it is pulled early in the month, home owners are initially late, but may square away at middle to the end of the month. First try having it re-pulled
I've had success with 1st Mariner Bank before. Sometimes if the buyer is very well qualified they will hold the mortgage and therefore won't need to follow all the guidelines. Reach out to Danny Gough.
Elliott R. Oliva
Primary Residential Mortgage, Inc.
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