Underwriter is the person from the

来源: CALoanAgent 于 2008-08-06 12:53:33 [] [博客] [旧帖] [给我悄悄话] 阅读数 : 0 (704 bytes)
回答: What is your FICO score? 由 Wisdom101 于 2008-08-06 12:22:26

lender's side to review your loans.

They will review the following:
1)Whether your have two years credit history?
Seems like you have the problem.

2)Your Loan to Value Ratio
3)Your Debt to Income Ratio
4)Your Appraisal
5)Your Title
6)Your Purchase Agreement
7)Your income documents
8)Your assets documents.

What your underwriter meant that you don't have
3 credits with at least two years credit history.

Two options for you now:
1)If you have two income, and you can qualify with one income, try to qualify with the person who has 2 years credit history

2)Find a lender who can use your utility bill as an alternative for the credits.

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