Lenders not giving mortagage if h4 ead is pending

[Kootami]

13 minutes ago, CanadianMalodu said:

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. 

Orey ayya nenu already 15% down chesina .more down payment doesnt matter when DTI is in question

[akkum_bakkum]

13 minutes ago, Kootami said:

Orey ayya nenu alteady 15% down chesina .more down payment doesnt matter when DTI is in question

Eppudanna teeskunte ga telsedi...ooke chatgpt vaagudu thappemundadu. 

[akkum_bakkum]

36 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 

Vaadenduku amend cheymannadu? Something doesn't look right. Idantha pre approval appudu cheymani cheppada?

[SaradaChinnodu]

39 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 

closing antha close ga pettukoni inka loan process chesthunna aa loan officer gadu evadu? vadu munde chooskobadale..

your credentials look great for 600k home with 789 credit score and 15% down. Any problem with delayed closing?

[Kootami]

6 minutes ago, akkum_bakkum said:

Vaadenduku amend cheymannadu? Something doesn't look right. Idantha pre approval appudu cheymani cheppada?

After giving closing date ...

[Kootami]

8 minutes ago, akkum_bakkum said:

Vaadenduku amend cheymannadu? Something doesn't look right. Idantha pre approval appudu cheymani cheppada?

They want to see income from rental properties ...mana desi cpa lu india lo house undi dani meda depreciation chestaru kada ... same scenario

[Satakarni_bali]

1 hour ago, Kootami said:

He is builder lender

Bayata banks tho povachu ga, desi realtor ayite chaala contacts untayi.

 

Edaina incentives istunnada for going with him

[akkum_bakkum]

21 minutes ago, Kootami said:

They want to see income from rental properties ...mana desi cpa lu india lo house undi dani meda depreciation chestaru kada ... same scenario

I think I know exactly what u mean. I was in a similar situation when I closed on my latest property early this year. Last 2 years lo rental properties losses vunde due to repairs etc...but this year was ok, so I filed taxes early and average went to profits for last yr and this year. Ala close chesadu. Builder lenders usually try every way to close the transaction once preapproval is given....lekapothe motham deposit venakkivvali...ee lender kanna broker is giving u trouble. Who is raising all these objections? loan originator or processor? processor aither tell this to originator and thy both will talk amongst themselves and comeup with a solution. Its in the originator's interest to close ur transaction

[Kootami]

1 hour ago, Satakarni_bali said:

Bayata banks tho povachu ga, desi realtor ayite chaala contacts untayi.

 

Edaina incentives istunnada for going with him

Yes ....chala giving kani .last ki i came to conclusion that he doesmt want to give loan even thouhh we qualify for it .

[CanadianMalodu]

2 hours ago, Kootami said:

Orey ayya nenu already 15% down chesina .more down payment doesnt matter when DTI is in question

Adhi mundhu cheppaledhu. Your DTI will come down, if you increase down payment by that amount plus the interest you accrue. May be you should try with a. different lender then. 

[pandemkodi]

2 hours ago, Kootami said:

They want to see income from rental properties ...mana desi cpa lu india lo house undi dani meda depreciation chestaru kada ... same scenario

India lo house meeda ikkada depreciation? 

[rachaRimbola]

5 hours 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

Payslips/HR docs accept cheyyapovadam endhi asalu. 

[Kootami]

3 hours ago, rachaRimbola said:

Payslips/HR docs accept cheyyapovadam endhi asalu. 

Ade magiccu