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BigB
C & J are 10!
Member since 6/05 5914 total posts
Name:
Stacey
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Banks for a Mortgage?
Are any of them more lenient then others?
We have hit a stumbling block with Wells Fargo. I need another idea.
Thanks!
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Posted 4/19/14 9:18 PM  |
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Prudential Douglas Elliman Real Estate
Long Island's Largest Bridal Resource | Long Island Weddings |
BabyBoy
is Skylar Elizabeth
Member since 5/05 4189 total posts
Name:
Tom
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Banks for a Mortgage?
Broker, can recommend mine if you like. Last year but didn't need to do much of anything and i landed at the lowest rate and paid 0 points.
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| Posted 4/20/14 7:59 AM |
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JandJ1224
Member since 6/06 5911 total posts
Name:
Jannette
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Re: Banks for a Mortgage?
Continental makes loans others can not. I use Pat Marabella. 631-390-6368
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| Posted 4/20/14 7:44 PM |
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BigB
C & J are 10!
Member since 6/05 5914 total posts
Name:
Stacey
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Re: Banks for a Mortgage?
Thanks for your responses....Our credit is good, we have 20% down, but we paid our rent late 4 times over 2 years. That is what is holding this thing up.
All of our bills are on time because everything is automated. The rent is the only bill I still have to pay by check because this gigantic management doesn't have an electronic payment system because "it doesn't work for them" This was a quote from the company.
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| Posted 4/21/14 7:42 AM |
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PotofLuck06
Our Baby Boy Is Here!!!
Member since 11/06 13241 total posts
Name:
Betsy
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Re: Banks for a Mortgage?
We used HSBC and they are the current holders of our mortgage, so we can pay it at the bank or online.
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| Posted 4/21/14 9:38 AM |
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cake2013
LIF Infant
Member since 9/13 52 total posts
Name:
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Banks for a Mortgage?
For the future if you have other bills that can't be on autopay - you can set up a billpay with your bank where it automatically mails out your rent check each month. If I didn't do this, I would probably have been late a few times too.
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| Posted 4/21/14 10:18 AM |
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NYCGirl80
I love my kiddies!
Member since 5/11 10413 total posts
Name:
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Re: Banks for a Mortgage?
I would have said Wells Fargo, but seeing that you're having issues with them, you should try either a smaller, direct lender or a broker. Be honest up front of what your issue is and they should be able to tell you if it'll be an issue with getting a commitment for you.
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| Posted 4/21/14 10:29 AM |
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ave1024
I Took The Wrong Road
Member since 12/07 6153 total posts
Name:
That Led To The Wrong Tendencies
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Re: Banks for a Mortgage?
Posted by cake2013
For the future if you have other bills that can't be on autopay - you can set up a billpay with your bank where it automatically mails out your rent check each month. If I didn't do this, I would probably have been late a few times too.
This.
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| Posted 4/21/14 11:19 AM |
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TwinDani
We are complete <3
Member since 3/11 1750 total posts
Name:
Danielle
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Banks for a Mortgage?
I am working with Coldwell Bankers right now and they have been fantastic.
Scott Rosenberg
PHH/Coldwell Banker Home Loans
(631) 553-8596
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| Posted 4/21/14 2:30 PM |
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VickiC
Rocking the party
Member since 5/05 4937 total posts
Name:
Vicki
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Banks for a Mortgage?
What about a credit union. Ours is with Bethpage Federal CU and are pretty good.
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| Posted 4/21/14 5:18 PM |
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KarenK122
The Journey is the Destination
Member since 5/05 4431 total posts
Name:
Karen
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Banks for a Mortgage?
We are using Continental and so far they have been great. I'm surprised they even knew about your rent being late though as it is not on your credit report. We have a house and rent and are buying another house. They checked the house mortgage but never even asked about the rent.
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| Posted 4/21/14 5:20 PM |
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ave1024
I Took The Wrong Road
Member since 12/07 6153 total posts
Name:
That Led To The Wrong Tendencies
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Re: Banks for a Mortgage?
Posted by VickiC
What about a credit union. Ours is with Bethpage Federal CU and are pretty good.
Credit Unions tend to be more critical of credit. I know my credit union is one of the stingiest lenders out there, mainly because in turn they offer some really competitive rates.
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| Posted 4/21/14 5:31 PM |
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Re: Banks for a Mortgage?
Aren't you with the NYC DOE? Have you looked into who the UFT is teamed up with? We did ours through GE Capital (which is now Ally I think?).
But I would avoid MCU if you do try a credit union, they were a mess.
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| Posted 4/21/14 8:26 PM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: Banks for a Mortgage?
My husband is a lending manager and they can get amazing things done. FM me for more info
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| Posted 4/22/14 9:53 AM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: Banks for a Mortgage?
Is WF asking for canceled checks for rent? I think he can get around that...I'll FM you his info and leave it up to you. He can also close quickly
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| Posted 4/22/14 9:54 AM |
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NYCGirl80
I love my kiddies!
Member since 5/11 10413 total posts
Name:
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Re: Banks for a Mortgage?
Posted by KarenK122
We are using Continental and so far they have been great. I'm surprised they even knew about your rent being late though as it is not on your credit report. We have a house and rent and are buying another house. They checked the house mortgage but never even asked about the rent.
Some lenders call your current apartment management company to make sure you paid your rent on time, verify your rent, etc. I know Wells Fargo does that, but not all lenders.
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| Posted 4/22/14 10:23 AM |
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Ian&EmmesMommy23
My family is complete!
Member since 11/08 12970 total posts
Name:
Diana
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Banks for a Mortgage?
i HIGHLY recommend Justin Schiatta...he's a mortgage broker. he really helped me get my house.
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| Posted 4/22/14 10:41 AM |
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