I'm sorry for your frustrations.
What type of loan were they trying to qualify you for? Often one loan program won't fit you when another one will. Do not give up just yet! Talk to a couple of lenders and get commitments in writing. You may have gotten a lender that is not as detailed as you deserve. Have no guilt in moving on and doing so quickly.
Best wishes for success!
Since the qualification process for a loan has become so much more rigorous these days, if you are anywhere close to the borderline of qualifying, it's best to ask that your loan gets *fully underwritten* by the bank underwriter before your spend a lot of yours and your Realtor's valuable time searching, and also put up deposit money, pay for an appraisal and an inspection. Fully underwritten is different than the loan officer quickly glancing at your paystubs and credit and then sending you a pre-approval letter.
1. Was there an error in calculating debt to income in the first place?
2. Was it something that changed with my qualifications...or something that changed with bank guidelines?
3. What made the debt to income too low....did they give me less income or more debt.....and why?
4. Have you changed lenders for some reason (if you are using a broker)
5. Did it occur because of something that showed up new on my credit report?
6. What can I do to tweak my debt to income so the loan can proceed?
The Bremner Group at Coldwell Banker
Realtor for 33 Years
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