I have been a broker in Phoenix for 24 years. I moved here from East Islip.
Contact Chuck West w/ Advisors Mtg. in Phx.
(he also has 24 years experience) @ 602-689-3008 or email him at email@example.com
When your lender pulls a credit alert and it's negative, this generally means that you have a balance owing to the government for a program you used in the past. This could be an unpaid student loan, etc. Your lender should be able to help you with this information. Is there also a delinquency on your credit report for this. If you can't recall any oustanding debt owed to the government, you can always try a conventional loan which does not pull a CAIVRS but keep in mind you have to answer the disclaimers on the application truthfully one of which asks if you have any outstanding debts to the Federal government. If there is a debt owing, you'll probably have to pay it or set up a repayment schedule. Hope this helps. http://www.johnshellington.com