Lenders not giving mortagage if h4 ead is pending

[Kootami]

1 minute ago, akkum_bakkum said:

Adem dikkumalina question kaadu. Both income pedithe gani qualify avvatledu ante alochinchalsina vishayam. Its ur personal decision though. when thy r giving hard time, why shud u even include ur wife ani uddesam akkada.

 I told them to remove her after ..motham telusukovali . They made evey move to not make me qualify for the loan. Not accepting tax returns the way they are .

Are not trusting mestris pay slips and hr , even though w2s and paystubs are clearly stating that

[Kootami]

4 minutes ago, Hitman said:

Not sure what is the price tag for you’re looking for. Otherwise most of them get loan on individual basis. By adding your spouse into loan application does it make any difference in interest rate? 

Below 600k ...lender is very very conservative ( every time i calm them ,they say something about govt being dicey) antey endo vallake teliyali. 

[futureofandhra]

2 minutes ago, Kootami said:

Below 600k ...lender is very very conservative ( every time i calm them ,they say something about govt being dicey) antey endo vallake teliyali. 

Tech job layoffs debbemo

[CanadianMalodu]

14 minutes ago, futureofandhra said:

daring bro to buy house now

hope u get low rates

Correction buying house kadhu "Mortgage".

[akkum_bakkum]

1 minute ago, Kootami said:

 I told them to remove her after ..motham telusukovali . They made evey move to not make me qualify for the loan. Not accepting tax returns the way they are .

Are not trusting mestris pay slips and hr , even though w2s and paystubs are clearly stating that

If your credit score is above 780, you get exceptional interest rate.....DTI is only a benchmark to see if you qualify or not. It does not have any influence on the rate you qualify for (DTI 20% vs DTI 49% will get same interest rate). Tax returns vunnavi isthavu, elagu loan application lo transcript request sign cheyinchukuntaru...whats the point. Looks like the lender's broker is a newbie or a crooked guy with some sort of aversion to you. 

[Coconut]

What area anna? 

[dreamchaser]

6 minutes ago, Kootami said:

Below 600k ...lender is very very conservative ( every time i calm them ,they say something about govt being dicey) antey endo vallake teliyali. 

Does it help if you make more downpayment like 25-30% bro?

[Kootami]

2 minutes ago, akkum_bakkum said:

If your credit score is above 780, you get exceptional interest rate.....DTI is only a benchmark to see if you qualify or not. It does not have any influence on the rate you qualify for (DTI 20% vs DTI 49% will get same interest rate). Tax returns vunnavi isthavu, elagu loan application lo transcript request sign cheyinchukuntaru...whats the point. Looks like the lender's broker is a newbie or a crooked guy with some sort of aversion to you. 

789 credit score ...putting down 15% ... still giving hard time .they made me ammend the tax returns and after that now they want the irs transcript ..... which irs is saying it will take 3-4 weeks to update and they are not willing to close without this document and my closing is in two days 

[Kootami]

1 minute ago, dreamchaser said:

Does it help if you make more downpayment like 25-30% bro?

Noo.. dti em maradu kada

[CanadianMalodu]

11 minutes ago, Kootami said:

Below 600k ...lender is very very conservative ( every time i calm them ,they say something about govt being dicey) antey endo vallake teliyali. 

Ante uncertain ga undhi work permit issues, appu ichi risk teesukolemu ani. Maybe you should increase your down payment, say to 25% and try again. 

[Hitman]

6 minutes ago, Kootami said:

789 credit score ...putting down 15% ... still giving hard time .they made me ammend the tax returns and after that now they want the irs transcript ..... which irs is saying it will take 3-4 weeks to update and they are not willing to close without this document and my closing is in two days 

IRS transcript instantly available right?

[Kootami]

4 minutes ago, CanadianMalodu said:

Ante uncertain ga undhi work permit issues, appu ichi risk teesukolemu ani. Maybe you should increase your down payment, say to 25% and try again. 

Ekkuva matladithey 3% chesta ani cheppina... uncertain untey enti ..they are not supposed to give loans or dicriminate with current sentiments 

[Kootami]

1 minute ago, Hitman said:

IRS transcript instantly available right?

Ammended transcripts....no

[Hitman]

9 minutes ago, Kootami said:

Noo.. dti em maradu kada

Check with Trustco Bank. I think they are aggressively issuing 

[CanadianMalodu]

11 minutes ago, Kootami said:

Ekkuva matladithey 3% chesta ani cheppina... uncertain untey enti ..they are not supposed to give loans or dicriminate with current sentiments 

3% ante huge risk for the lender. May be try asking for approval with a 10% down payment. 25% down will be almost guaranteed approval. It will also take away some interest burden from you.