just so you know the file is not even in final underwriting so prepare for lots more questions and BS.
don't like the rules? pay cash
don't like the rules? pay cash
third coast.. said:
that would put my wife and kid and dogs and stuff out of a home for weeks at minimum. i dont think its right to ask that of my wife while she is the sole caretaker of my child and pregnant and working. im really bent over a barrel....
Highly recommend getting in touch with Jay for this very reason, especially given your situation. Good luck and keep us posted.Jay@AgsReward.com said:
But, if you need to close this thing fast, we can potentially get you closed in as little as 7 days because we lend our own money when needed.
ThisJBLHAG03 said:
Im sure it is a frustrating situation, but you are coming across as an ass to people that have nothing to do with it.
Underwriting policies are applied equally across the board; it is not a personal attack on you.
The bank owns the house, not you. They want to make sure you can afford to buy it from them at your base salary (i.e. how are they supposed to know how long your current training will last). Typically overtime, bonuses, etc. do not count.
On income, it's not what you know, it's what you can prove.
The government has laws in place to protect service members, which hopefully usaa is aware of. If you are not getting anywhere with conventional, try VA.
If that fails, switch to Jay as suggested above.
USAA really is your problem. Ive been with them for 25 years. Tried to get a mortgage about 8 years back and ran in to very similar issues. They are one of the worst if not the worst mortgage company out there. Talking to a different person each time you call. One tells you one thing, the next something else. It will only continue. People in complicated financial situations MUST go through a WELL EXPERIENCED LOAN OFFICER that's with a good company. Large companies will tell you whatever you want to hear to get their hooks in to you as a potential customer. They don't give a dam if they can't actually get you closed when it comes down to it. I'm sorry this doesn't help your situation but you need to understand that your situation is likely not going to improve in the next couple weeks if you stick with USAA.SteveBott said:
Ussa. Problem solved. They do not do well on complex files. I do. Good luck.
third coast.. said:
no offense steve, but this post, along with another where you told me that i needed you, is why i chose to go elsewhere.