Are both of your names on the mortgage? If so, in the eyes of the bank, both of you are responsible for paying the mortgage. They do not care WHO pays it but they do want it paid. If you only pay your half and the rest is left unpaid, the bank will foreclose on the property and your credit will get ruined.
If both of your names are on the title, then you will not be able to sell or refinance without their written consent.
I would recommend contacting your co-owner and calmly talk about what each other needs to do. You may want to consider a quit claim deed to get the co-owner off the title. This will give you more room to maneuver.... more
Are you an agent? (you list yourself as a Buyer). If you're trying to sell your home as a FSBO (for sale by owner), you can't.
If you are an agent....How do you have it in the MLS? Can it be listed as two properties? (two different addresses?) If you can only list it as one, then I'd list it as 5/4 in the MLS and then make comments in the remarks about the two dwellings.... more
First- You sound very frustrated- and rightfully so. Your lender should be available for you whenever you call them, or at least call you back when a message is left. They work for you, and make money when you close too, and should be honest, responsive and accommodating. I assume you decide to work with this lender after they gave you a pre-approval letter indicating the terms of your loan, meaning you felt that they gave you the best deal and they felt comfortable enough that you would be a good borrower. Because of that- your 622 score should not be an issue anymore, unless there have been significant changes to your credit such as loss of job, or if you applied and granted a loan elsewhere.
Depending on the complexity of your situation, the loan process can take up to 45-60 days, so that part is somewhat normal, but having to deal with this kind of loan officer, should not be a part of it.... more