You need to ask him what changed between the first and second credit pull on your score. What the score was to what it is now so you know how much it affected you. It is very possible that he's right but also possible that it can be fixed before you settle. I can see him having to pull credit again since you added your wife onto the application. Hope this helps and please let me know if you need more help.
Senior Loan Officer
1ST Mariner Mortgage
Lending in all 50 states
I have a good broker for you over at George Mason Mortgage who has excellent rates and services clients well. Since you are self employed, you will need quality financial statements and other financial documentation to get a loan. If interested, please email me at firstname.lastname@example.org and will provide his information.... more