I've offered the LO an LOE on the derogs but haven't heard back yet (been communicating thru email). Think this loan will be based upon how good a Valentine's Day the underwritter is having. Mark as New Bookmark Subscribe Subscribe to RSS Feed Permalink Print Email to a Friend Report Inappropriate Content.
Re: Cash out from land equity. What was the FICO minimum for the loan program you are looking at. My only large concern would be the drop in FICO scores that you may be seeing. 680 is the minimum for alot of lenders (especially cash out) and 640-660 is pretty common across the boards.
So if they want to see a 680 score for a cash out refi then it gets questionable. That said, My guess is at that LTV and with the DTI looking low (once they pay off the cards) it shoudl be fine. Mark as New Bookmark Subscribe Subscribe to RSS Feed Permalink Print Email to a Friend Report Inappropriate Content.
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