What did the loan officer think your chances are. They know their own banks underwriting tendencies (since it's portfolio'd), so they should have a fairly good feel on if you'll be approved or not. Mark as New Bookmark Subscribe Subscribe to RSS Feed Permalink Print Email to a Friend Report Inappropriate Content. Re: Cash out from land equity. My LO seemed positive given the no fax payday cash advance LTV and my DTI level after the loan.
My midscore (681) seemed adequate but with that said there are some baddies reported such as an old paid judgment (from 2006), two old paid collections (from 2006) and the most recent 30D late in March 2009. She said all the issues are more than 2 years back so the UW may not need to have those addressed (provide an LOE).
Before she pulled my scoresreport I told her what my scores were from another lender last week. Using the midscore I gave her (which was the same as she pulled at 681) she quoted me a 8. 75 fixed, 0 points, 15 year loan if my score was 680 or higher.
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