Caution on the appraisal. Normally an appraiser is to determine value of the home if sold on the market today. Adding in the closing costs in an appraisal does nothing to increase the value of the home. Are
you working under the assumption that by doing all these things, your appraisal will be higher? Who was
willing to promise you that in writing? How good is your credit rating compared to your girlfriend? Whoever
has the lower credit rating is the one the bank will be looking at in making final determination in giving a loan.
Remember both the property and th borrower have to meet the qualifications required to get the loan. As one repairs the home, one has to maybe repair the credit. I'm hoping you are working with a reliable lender.
Because what the loan officer is promising you has little significance unless his/her word is backed by the underwriter of the loan.
Prudential Ambassador Real Estate