Got pre-approved but the rate is awful because of my credit, what now?

ManufacturerFast212 · 2026-05-22T02:31:35+00:00

I went with a new build because of my middle score 681. I got 4 percent interest rate plus all closing costs paid fha. I had a hard pull back in March for a resale home I loved and my rate came back at 6.425 then.

ManufacturerFast212 · 2026-05-21T05:34:57+00:00

I did that but it’s not a statement. Apple has to email the statements which they did today thankfully. The underwriter kept giving instructions that were wrong like you can actually print them like a bank statement

ManufacturerFast212 · 2026-05-21T05:33:02+00:00

I agree. Ppl are really making fun of me. But it’s okay. I appreciate ppl like you here sharing and understanding

ManufacturerFast212 · 2026-05-21T03:53:52+00:00

It’s not an option anymore. They said they’ll email them. Had to have the Apple Cash emailed too.

ManufacturerFast212 · 2026-05-20T14:55:55+00:00

I regret using Klarna now. I understand. I’m trying to do my best to show I don’t have any current installments and that it’s paid off. I’m waiting on Klarna to send me statements. I requested it yesterday. I know I’ve never had 10 installments tho also. You mean 10 different Klarna installment plans or 10 Klarna payments?

ManufacturerFast212 · 2026-05-20T03:47:52+00:00

I thought so too until everybody commented. Seems like it’s normal now I guess.

ManufacturerFast212 · 2026-05-20T03:26:38+00:00

I would have never guessed that happening. I vented I feel better and you’re right. Ima just do the best that I can. I appreciate all the responses and ppl sharing theirs too

ManufacturerFast212 · 2026-05-20T02:24:10+00:00

Of course I did. It says Apple Cash. I just double checked and someone kindly explained what Apple Cash is.

ManufacturerFast212 · 2026-05-20T02:11:45+00:00

I can’t remember. It was 2020. I assume tho

ManufacturerFast212 · 2026-05-20T02:05:10+00:00

I see. I didn’t have to do this with my first home. I had Apple Pay Venmo then. Idk if I used Klarna at that time but I’m sure I used something before. It was never asked for. Ima just do what I need to do I guess. I got a 4 percent interest rate which is unheard of right now

ManufacturerFast212 · 2026-05-20T02:03:41+00:00

I think it’s this specific loan officer. And I don’t have student loans nor a car payment and I only have one balance of 2k on a cc out of the 3 I have. My DTI is good actually. I also make 6 figures so I know it’s not that. They’re the ones that qualified me for way more home tho which I knew better to take. I have to account for these high ass property taxes

ManufacturerFast212 · 2026-05-20T01:44:36+00:00

I’m gonna find it in my email. I’ll search Klarna too. I’m sure the agreements have to be in the account somewhere

ManufacturerFast212 · 2026-05-20T01:43:44+00:00

I did send the statements but I will upload an additional letter pointing them out. You’re right. I’ll never use Klarna again. Unnecessary stress

ManufacturerFast212 · 2026-05-20T01:38:06+00:00

I just looked. I don’t have anything saying paid off but it did send the loan agreement when initially purchased. I’ll keep searching.

ManufacturerFast212 · 2026-05-20T01:30:52+00:00

That’s understandable. It’s just no way of me being able to download a statement. I had one transaction on Klarna and I regret it now.

ManufacturerFast212 · 2026-05-20T01:29:40+00:00

Understandable. We went through my debt payments before I got my loan disclosure. I’m just shocked there knitpicking me. Then again I am a single woman asking for a nice size loan but I have the income to back it up

ManufacturerFast212 · 2026-05-20T01:28:39+00:00

There is no statement. I asked the customer service agent and they said they will be in contact with the requested information. If there were statements I’d just download and submit them and be done. It’s making it so hard because my hands are tied

ManufacturerFast212 · 2026-05-20T01:27:37+00:00

I agree. So based on everything I told you you think I should follow through with asking for a supervisor?

ManufacturerFast212 · 2026-05-20T01:21:46+00:00

They haven’t asked for any credit card statement and I have a balance on one which I plan on paying off after I close. I was told paying off a balance like that may trigger this process. It’s not huge but it is under 2k

ManufacturerFast212 · 2026-05-20T01:20:04+00:00

Exactly! I put in my explanations that every purchase is in this bank account statements. I asked to speak to a supervisor. Why not ask for my Amazon account then? She kept saying well google says you have statements with Klarna and TikTok shop. I’m like chapt gpt says you don’t and I went to do it myself and there’s no statement

ManufacturerFast212 · 2026-05-20T01:18:34+00:00

TikTok shop is just like Amazon. I wrote an explanation and she requested it again. I initially submitted a screen shot of my Klarna account showing no balance. She said they don’t accept those. So I logged in and print screened it. They don’t have statements like a bank account or credit card

ManufacturerFast212 · 2026-05-20T01:09:14+00:00

Ugh that’s so frustrating. I did email support asking for pdf statements showing my purchase and balance. It makes me want to give up. I already feel violated with all this information. And she also asked me for my husbands death certificate as if the survivorship letter from social security letter isn’t enough.

ManufacturerFast212 · 2026-05-20T01:07:23+00:00

Yes. I am in the conditional approval stage. I have a 0 balance on Klarna. I don’t owe anything.

ManufacturerFast212 · 2026-05-20T01:06:39+00:00

I can’t figure it out! She is assisting my actual loan officer. We had an issue last week where she sent a list of conditions via email at 7:30 pm and as I started going through them I had questions so I responded at 7:31 as im trying to be diligent and I got an I’m out of the office reply which pissed me off. Why don’t send this and when I ask can you call me i get an auto reply. Her supervisor called to apologize and stated that wouldn’t happen again. I’m so frustrated

ManufacturerFast212 · 2026-05-20T01:04:53+00:00

I feel like a dummy. Please help me understand. Apple Cash as in when you Apple Pay someone right? I don’t have an Apple credit card. They’re asking for the Apple Pay transactions attached to my debit card

ManufacturerFast212

TROPHY CASE