Hi,
This is Cathy Hodge with Coldwell Banker Mortgage. AS long as your credit score is over 600 we are in business. In addtiion, if the appraisal has already been done it can be ransferred to us. Please give me or Alda a call tomorrow after 10:00 am. My office tel# is 706-596-2051.
Cathy Hodge
Mortgage Advisor
Coldwell Banker

Perhaps you took that the wrong way. Between putting money down on this home and placing all of our deposits down, along with still paying our current residence it has left is low on our saved money. We still get paid and are well within our means for bills. We have built a house and everyhing is under warranty for 2 years. Thank you for your concern into that though. We will receive all money back that we have put down but could take 6-8 wks. The question was not whether or not I could afford a home, that is not the problem. Thanks again

May I suggest that you might not be in the right position to be buying a home? If you are using every last dollar just to get utilities on you are living on too much of a string to be a homeowner.

What if a pipe breaks, window cracks, roof leaks? You need to have reserves set aside for things like this as you are responsible to repair them yourself now, it can be very dangerous when things go wrong and you dont have the ability to cover unknown expenses as a homeowner.

I'm sorry that happened to you. I can do a VA loan down to 530 scores. Obviously, you're not there, so that's good. It will delay closing because we have to switch everything over. Two things: The first is that your rate may suffer which number 2, may allow you to back out of the deal and get your money back (earnest money and deposits). If I can get you a better rate comparable to what you currently have, you should be okay. We can also look at doing a re-score to see if we can get your scores up to qualify for more banks. Please call me - 770-255-3831. Thanks, William (Bill)