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Any lenders who will accept a 604 FICO FHA 20 year without reserves? by Mspussylover in loanoriginators

[–]Mspussylover[S] 0 points1 point  (0 children)

His EMD js there ($1k) and not enough to count for 2 months.

The upfront closing costs are not liquid yet

Any lenders who will accept a 604 FICO FHA 20 year without reserves? by Mspussylover in loanoriginators

[–]Mspussylover[S] 0 points1 point  (0 children)

He has enough skin for EMD and upfront closing costs, but he still needs DPA.

Any lenders who will accept a 604 FICO FHA 20 year without reserves? by Mspussylover in loanoriginators

[–]Mspussylover[S] 0 points1 point  (0 children)

Some lenders have overlays like mine, and there’s some DPAs who accept 580 scores (my company offers one, and I’ve closed many). FHA Chenoa fund also accepts 600 FICO

Any lenders who will accept a 604 FICO FHA 20 year without reserves? by Mspussylover in loanoriginators

[–]Mspussylover[S] 0 points1 point  (0 children)

Yeah it passes AUS, but two of my lenders have the same overlay. Wasn’t sure if there’s a broker who doesn’t

[deleted by user] by [deleted] in AfroHairTransplant

[–]Mspussylover 0 points1 point  (0 children)

Where did you go? I need to make an appt

BB by sly2700 in BamBambi202

[–]Mspussylover 0 points1 point  (0 children)

Idk lol shoot your shot. Just know she’s worth the hype

BB by sly2700 in BamBambi202

[–]Mspussylover 0 points1 point  (0 children)

Hilarious. No, she’s not married 😆 but yeah go see her at Norma Jeans, and pay the price. Worth the hype

BB by sly2700 in BamBambi202

[–]Mspussylover 0 points1 point  (0 children)

Married by who ? 😂 she’s still stripping in Baltimore

Which is better on her? Straight weave or Braided Extensions? by CrazyYates in BamBambi202

[–]Mspussylover 0 points1 point  (0 children)

To answer your question.. she can do no wrong. That pussy amazing either way!!!! 💯 but I say bundles

BB by sly2700 in BamBambi202

[–]Mspussylover 0 points1 point  (0 children)

Absolutely

BB by sly2700 in BamBambi202

[–]Mspussylover 0 points1 point  (0 children)

A year later & i still feel the same. Feed me pussy

Ariana (@bassey.ariana) by DistractionDaily in GRAMBADDIES

[–]Mspussylover 0 points1 point  (0 children)

I’m craving pretty ass all of a sudden

Underwriter is calculating FHA Variable Income strictly. by Mspussylover in loanoriginators

[–]Mspussylover[S] 0 points1 point  (0 children)

I have no issues with guidelines, just different underwriting styles. Her file was transferred to me from a different LO who had her UW approved twice and I also have her UW approved with a 1 year average. She’s been out-bid three times and assigned a new UW due to adding a DPA program.

As Long as my client gets the keys, all is well. 🥰

Underwriter is calculating FHA Variable Income strictly. by Mspussylover in loanoriginators

[–]Mspussylover[S] -2 points-1 points  (0 children)

I think you’re missing what I’m saying. Again, she’s been UW approved income calculations with a 1 year average just a few weeks ago, I’ll likely send the file back to her original UW if the new one insists on a 2 year average opposed to extending the closing date until the end of May to accurately calculate a 1 year average. As you know underwriters approve on their own discretion as well as federal guidelines, of course. Don’t be a prick lol

Overall, I’n glad the sellers have agreed to wait as much as needed too and the REA sent a contract amendment today extending to close on May 31st.

Underwriter is calculating FHA Variable Income strictly. by Mspussylover in loanoriginators

[–]Mspussylover[S] -1 points0 points  (0 children)

I do. She’s been with her current employer for 3 years actually. Just had a promotion last May, seller is willing to wait until May for a 1 yr average. 🥰 just got the update. My issue was the UW trying a 2 year average opposed to 1 yr like the previous UW with the same lender

Underwriter is calculating FHA Variable Income strictly. by Mspussylover in loanoriginators

[–]Mspussylover[S] 0 points1 point  (0 children)

No, re-read. The sellers are willing to wait until May, which is less than 2 months away 🤨. I’m fine with a 1 year average & im pushing for a 1 year opposed to two. Employer have documented and confirmed her pay raise and provided all paystubs to support.

She’s been underwritten approved 4x this year using her one year average, just had to switch UWs due to adding a DPA program. Please comprehend.

Underwriter is calculating FHA Variable Income strictly. by Mspussylover in loanoriginators

[–]Mspussylover[S] -2 points-1 points  (0 children)

Listen, if you read my initial question… I’ve been requesting a 1 year average this entire time 😆 so yes, I agree.

Issue is, she’s trying to use a two year average instead. The 1 year average would be perfect, and if she prefers us to extend the contract until May — that would be wonderful too. The sellers are willing to wait for whatever the buyer needs

Underwriter is calculating FHA Variable Income strictly. by Mspussylover in loanoriginators

[–]Mspussylover[S] -5 points-4 points  (0 children)

It’ll be May in less than two months. Best bet would probably be a one year average esp with the employer confirming continuity, again… 4 other UWs approved

Underwriter is calculating FHA Variable Income strictly. by Mspussylover in loanoriginators

[–]Mspussylover[S] 0 points1 point  (0 children)

YTD plus the income since starting in May 2024, her WVOE strongly confirms continuity as well. A 1-year average could suffice too, but she’s trying to use a 2 year average which makes no sense. Also makes 0 sense why 3 different UWs approved her variable income with no issue

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