I did a preapproval for this couple 5 months ago. They give me a call a couple days ago. Found the house they wanted. Problem was that his score dropped from a 660 down to a 546. He had 2 new collections and a late on his credit card since the first credit I had pulled. Her score stayed in the 660 range. He makes about a grand more than her a month. They need a 100% loan and that is impossible with his credit score since he is the main bread earner. My solution came to me thru Own-IT Mortgage. They have a product that lets you blend the 2 middle scores together. The way it works is you take both middle scores and divide them by 2 and that is the score you use. They went from qualifying for 90% max to 100%! It made my day. I hope it helps you with a similiar deal in the future. It is called Family Score.
This Google Custom search may do a better job of searching the forums for some keywords than the old forum search does. The results do not include threads from the Asset Managers Forum however. To search that forum you will need to be actually in the Asset Managers Forum and you will need to use the old forum search below.
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