Approved Witness List

My application of 2.5 months was just kicked back because they could not contact my witness. I used a notary at Bank of America and included her business card, so I thought I was solid on that.

I have to fill out a new ID verification from. My question is do you know if we can use the witness cell phone or does it have to be answered as XXX business? It would be very hard to immediately have a doctor, police officer, or teacher be available. Do they allow a call back?

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u/loan_ranger8888 — 10 days ago

Question

I’m not on any adhd medication, but I know for sure i need it. Is it easier to be prescribed Strattera than the other “controlled” drugs. I have a life time of dealing with insomnia, and I read Strattera could have less chance of making this worse. Thanks!

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u/loan_ranger8888 — 10 days ago

Don’t do it! If you’re getting pre approved or about ready to sign a contract..

What happened to the good old days when people only had one bank? Don’t move your money from one account to another! Don’t consolidate your funds to one account! Just leave everything as is until your loan officer gives you the all clear. Moving money around inside 60 days of a closing will require a trail to each large deposit exceeding 50% of your monthly income. Save yourself a ton of documentation- don’t do it.

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u/loan_ranger8888 — 12 days ago

Scammer Alert. If you’re a new home buyer the below imagine is what will be hitting you mailbox.

No, it’s not housewarming cards and gifts, it’s scammers trying to make you think your mortgage company (they will list the name) is demanding something from you immediately. It could be some fake insurance they are peddling, or a copy of the deed to your house, or some other urgent need that is a hoax. How do they get your personal information? It’s in county public records after you close. Look at the fine print where they must inform you that they are not associated with your lender. They will market this as if they are your mortgage company. Many will say “call us to verify.”

u/loan_ranger8888 — 19 days ago
▲ 17 r/MortgageRatesDMV+1 crossposts

1st Time Buyers! Do not do this!

Do not pay off debt pro actively with the assumption it will improve your credit score or increase the loan amount you qualify for. Talk to a loan officer first to evaluate your credit profile. Many times a strategic pay down of certain debt will enhance your score while other actions will do nothing. Plus, you may be better served keeping your cash for down payment and closing costs. Get your full profile evaluated before taking any action!

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u/loan_ranger8888 — 20 days ago

Question :)

First, thank you to all the knowledgeable people on here generously taking time to answer questions! I just want to confirm I’m understanding the application process for my son. My Mother was born and raised in Ireland so I was able to apply and received my passport. For my son- he is eligible because of his Grandmother (my Mother) and he should start with Foreign Birth Registration? Is that right? Thank you!

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u/loan_ranger8888 — 28 days ago

Question

My mom was born and raised in Ireland and my kids want to use the foreign birth registry (I already have my passport)- the question is can documents sent be for multiple people requesting birth registration. It would take years to do it one by one. Thank you!

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u/loan_ranger8888 — 1 month ago
▲ 20 r/fairfaxcounty+1 crossposts

Not sure if my post will make it through, since I’m an out of stater. Anyhow, as someone from Ohio, who has gone through what you guys are experiencing. My advice for you is to simply ignore what your Supreme Court decided. That’s what republicans did in Ohio, when it was ruled three times by the Ohio Supreme Court their maps were illegal. They used them anyhow. You guys use whatever maps you want, Ohio already set the legal precedent for you.

Keep up the good work, State for Lovers!

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u/Correct_Exchange9070 — 2 months ago