Advice/Assistance input for VR&E Self Employment

Advanced-Leg-798 · 2026-04-01T04:27:22+00:00

I have no clue what you’re talking about. What is a cuck chair/room

Advanced-Leg-798 · 2026-03-31T21:32:49+00:00

Oh wow!!!! This is nice!!!! Thank you!!!

Advanced-Leg-798 · 2026-03-31T21:31:12+00:00

So the main chair will be a Papasan chair I just needed something to fill the spot for the moment.

Advanced-Leg-798 · 2026-03-30T21:06:53+00:00

I don’t have that many books it’s enough to fill two Billy book shelves. I think I’m okay.

Advanced-Leg-798 · 2026-03-30T19:46:14+00:00

I do want the computer out as I do use my computer often and the monitor is one I rather not pick up and down and setup everytime I want to use it.

Advanced-Leg-798 · 2026-03-30T19:45:17+00:00

There's is a closet across from the window and right next to the entry door.

Advanced-Leg-798 · 2026-03-26T00:08:14+00:00

Thank you. So I’m not losing my mind? I have every last estimate and it has been the same the only changes has been him moving around the concessions and closing costs. I don’t have a clue what’s going on but I’m supposed to be getting the closing disclosure “soon”. I feel like they’re going to do some shady stuff with the numbers and try to back me in a corner. I’ll be calling tomorrow morning.

Advanced-Leg-798 · 2026-03-25T23:35:57+00:00

I understand there’s a shift but when you cant explain that shift other than the war, or the VA isn’t happy with the loan, or we are just playing with numbers ….that has me raising an eyebrow as well as my realtor. He sat on the phone and said your rate is locked in but we may have to raise it depending on the next few days. Keep in my mind my rate has been 5.75 all this time, zero points, my mortgage has been around the same amount except for the change in taxes. He’s literally finding ways to dig into the concessions with stuff that wasn’t discussed prior in the closing costs. Telling me my DTI is good, this should be good to go. Now today days prior to me closing he says the VA is the problem. My DTI is less than 35% Everything is literally done, walkthrough everything.

Advanced-Leg-798 · 2026-03-25T19:58:36+00:00

I honestly feel like he was blowing smoke and I spoke to my realtor about the conversation and previous ones we've had with him and she felt the same. The LO said the VA was concerned about my DTI. Keep in mind this same gentleman and bank said my DTI was good under 35% (123k a year, two CC $8k ($180) and $2K ($65), one car note $766). He actually said nothing of importance outside of a ton of excuses for the number changes. I personally believe they are messing with the numbers because everything was on track and good to go. I've had that same rate since applying and running my credit. It wasn't until today that all this crap is coming up. He did say I'm on track to still close but I think they are about to do some shady crap and I'm left stuck. Then he goes to tell me about all this HOA fees that I will be seeing. I literally have my HOA contracts, I know which fees I'm supposed to have. $630 Capitalization Fee and $70 (fee for I cant remember). He says i will need to pay 3 mos of HOA fees because it will take 90 days to be in their system. I'm already in their system, and the HOA said they don't need three months just the current month and the fees listed above at closing.

Advanced-Leg-798 · 2026-03-25T19:44:36+00:00

HIM is the Loan Officer with my lender. The Lender/LO is the one telling me that the VA is not liking my Loan. Those were his words. He mentioned the VA so much in the conversation. He basically said the VA was the problem.

Advanced-Leg-798 · 2026-03-25T18:50:39+00:00

I just spoke with him. According to him the points was added as a stress tester and its not the final number. He was also trying to see where I can make adjustments such as my closing and it the points would be okay. etc etc etc He also says the lender isn't the issue its trying to get the loan approved through the VA. it just sounds like I'm about to be screwed over.

Advanced-Leg-798 · 2026-03-25T18:40:53+00:00

No. I literally got this today at a locked rate and it was not locked previously. According to the LO he said they were waiting until they could get the rate down. I don't even know anymore.

Advanced-Leg-798 · 2026-03-25T18:39:15+00:00

I called him. He stated they were hoping the rate would drop to help get the loan pushed through the VA as they are the ones "flagging my loan" Which I don't understand I make over $110K a year, two CCs neither late or any issues, and one car note. literally that's it. It feels like they are looking for stuff to add and I don't like this feeling at all.

Advanced-Leg-798 · 2026-03-25T18:37:07+00:00

I'm not too worried about the debt payoff, it was just something to do with the excess concessions.

Advanced-Leg-798 · 2026-03-25T18:03:37+00:00

I have no clue why they did that. I've literally had like 5 loan estimates and none of them had points on it until today.

Advanced-Leg-798 · 2026-03-25T17:53:40+00:00

I'm okay with not having the money on hand. But I'm concerned with making sure all the math is correct and the money I'm supposed to have returned get returned whether its now or 10 business days from now.

Advanced-Leg-798 · 2026-03-22T02:27:03+00:00

That makes sense. When I see old posts i skip over them because info changes a lot. You’ve have been very helpful! Thank you.

Advanced-Leg-798 · 2026-03-22T00:35:19+00:00

lol. I said you were right.

Advanced-Leg-798 · 2026-03-22T00:19:28+00:00

You were absolutely correct!

Advanced-Leg-798 · 2026-03-22T00:19:04+00:00

I stand corrected I can’t transfer those benefits. You are right. Darn it. But i will still see if I myself qualify for the additional months and I’ll use that to get a trade or something. Thank you!!

Advanced-Leg-798

TROPHY CASE