We need to get a pre approval letter contingent upon our credit scores going up. We have our house, want to close in sixty days. We are working with a credit restoration company who said in 60 days our scores will go up 100 points, which we will then qualify for the loan. Can you provide a pre qualify letter based on this information. We have the down. Thanks.

By: Brent-Mendelson
In: Uncategorized
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Answer #1

Hello, you will need to wait until your credit scores actually go up. At this point, you can get qualified based on these new scores. Anything before this time is premature.

After some time has passed, contact your Loan Officer and have him pull a report for you. From there this Loan Officer can explain your report and give his/her best advice on how to move forward & when to pull your report again for evaluation.

choicefinance.net

Answered By: Level Rating

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Answer #2

Yes the other loan officer is right. Credit is the most important part to a loan. You either have the score or you don't. Sounds like you are trying to fix it and that's great. Until a loan officer can pull a score that qualifies you for a loan there isn't much any loan officer can do. I wouldn't issue a pre-approval letter without an approvable score. Hope this helps and please let us know if you need more info.

Thanks

Brent Mendelson

Senior Loan Officer

Monarch Mortgage

600 Jefferson Plaza, Suite 400

Rockville, MD 20852

240-403-1970 Direct

301-412-0259 Cell
http://www.monarchmtg.com/bmendelson http://www.brentmendelson.com
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Answered By: Level Rating

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Older Posts

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HARP LOAN

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refinance transfer tax

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ARM rates

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FHA Streamline

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QUESTIONS ON FINANCING

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Collections Catch 22

I would like to use a HELOC to pay off some collections, which would drastically improve my credit. Unfortunately, the banks and mortgage companies I have spoken to all say the collections need to be satisfied before they can give me a HELOC. Now what? If I had the money, I wouldn't need a HELOC. Thanks!

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Can I streamline refinace my non-owner occupied condo? If so, what would my rate be for a 15yr-fixed loan with 1pt? My credit scores are above 730, I have never been late on any of my payments, and the condo fee delinquency rate is less than 15%. The property is located in Howard County, MD.