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How likely are we to getting approved?

We are about to go through underwriting. My boyfriend is the only one on the loan and Credit karma had his score at 650 but the mortgage company had it 701, will they keep it at 701 or will they see if his credit score changed throughout the processing? Also, he has a couple of over draft fees but has the program where if it does ,it comes out of his savings which he keeps about 2k in his savings. He had never been late on a payment. His only debt he has is his personal 3k loan and rent but I'm not sure if that counts or not (it's for our apartment). We are doing a FHA bond loan. by jennpenn90642 from Clayton, Delaware. Mar 29th 2017 Reply

William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,728 contributions

More info needed, but based on the limited info you provided, he shouldn't have a problem.. Credit Karma is never accurate, but the lender has to pull all 3 major bureaus.. and they go by the mid score.. not the highest or the lowest.. 701 is sufficient.. In regards to the overdraft fees.. he might need to write a letter of explanation.. but even that shouldn't be a problem.. I'm a preferred Lender with Arizona and California being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Mar 29th 2017
Ben Besosa (BBesosa)
#15 ranked lender in Delaware - 4 contributions

I have a few questions before I answer the question. Please call me at 302-894-9111. I work for Pike Creek Mortgage and we are Delaware's largest independent lender. we have more programs available than anyone! I look forward to speaking with you soon!Ben Besosa NMLS 104565

Mar 29th 2017
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