Well, we were discharged from a 13 on Sept 2009. We were prequalified for a mortgage loan in october. We are now ready to buy and when we checked with two lenders (one which previously pre-qualified us), turns out, we can't proceed. The previous lender said that Experian is not reporting a credit score (I checked today and it is, it is something like 640 each for my husband and I). The one tiny problem is that technically our mortgage was not included in our bankruptcy, except for some stupid $23 of late payment or something. So it apparently shows as under the bankruptcy. We did however continue to make our mortgage payments ON TIME every month (even contributed more $ to the pricinpal since discharge).
What can we do? Our current mortgage is with Wells Fargo. Can we go to them? I am afraid that the may end up denying us.
Mind you, with the sale of our house, we would have $30k+ for a down payment.
We also want to try for a VA loan, but I am not sure.
We are also disputing a charge on my husband's credit that shows as late but was also included in the ch 13.
If someone out there does pre-qualify us, what else could we ask them so that at the moment of truth (settlement date) the monies are there and they don't back out?
We are bummed. Any ideas?
Thank you.
What can we do? Our current mortgage is with Wells Fargo. Can we go to them? I am afraid that the may end up denying us.
Mind you, with the sale of our house, we would have $30k+ for a down payment.
We also want to try for a VA loan, but I am not sure.
We are also disputing a charge on my husband's credit that shows as late but was also included in the ch 13.
If someone out there does pre-qualify us, what else could we ask them so that at the moment of truth (settlement date) the monies are there and they don't back out?
We are bummed. Any ideas?
Thank you.
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