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Payday Loan in Iowa

    Hello me and my wife recently got pre-approved for a morgage for 400k. we won a house about 40 days ago for 375k. we were told by our loan officer from chase banking that changing jobs from full time to 3 part times was okay, i work around 64 hours a week just so we can get a good income for our dream house. of course we were lied to and turns out the reason why our underwriting got denied was because i switched jobs from full time to part time. we've already extended about a week and are paying 60 dollars a day to keep the house. My question is what are my options? this is turning out to be a complete nightmare and they decided to tell us the very last second that we were denied and were stuck in a position that i think we will lose the house that we won the bid for.

    Apparently you and your loan officer was not on the same page. The part time jobs would not be a factor in denying or approving your mortgage loan. Your job would play a major role if your current job is not in line with the job you previously had. If you were a plumber before and now you are a carpenter, this would cause great concern to your mortgage underwriter and could be a reason for denying your mortgage loan application. Your current jobs must be related to your former job. No underwriter ask how many hours you work this is not an approval or denying criteria. The only thing that matters is your income and how your income affect your debt ratio. If the same situation exist concerning the job positions, it would normally not do you any good to apply for a mortgage loan with another lender. Most all mortgage lenders use the same mortgage investors such as Fannie Mae, Freddie Mac, FHA, Iowa or other government agencies to sell their mortgages to. They would have the same guidelines and and criteria in order to approve your mortgage loan. They would require the same documentation and proof or income as well as the other same mortgage lender. These guidelines would not change. You might try a mortgage broker to see if there are mortgage lenders that might be available to you, and would approve your mortgage loan. You might be required to have more of a down payment and the interest rate might be higher. You might inquire of your mortgage loan officer what could be done to get your mortgage loan application back on track. This might be a simple matter to solve. If your loan was denied, why are you continuing paying to keep the house? Normally in your offer there is a clause that this transaction is based on me being approved for a mortgage loan. You should send a letter to your real estate agent that based on the fact that you were denied loan approval you are no longer interested in the house. If your loan officer is not able to get your loan back on track and solve the job situation you are wasting $60.00 per day. If you are using a calendar week that is $420 per week or $1,680 per month. It is doubtful you are abel to sustain this payment. I hope this has been of some benefit to you, good luck. "FIGHT ON"

    Obviously the loan officer was wrong and he should have known that "part time" jobs are not acceptable to most lenders. Even though your working "full time" hours. Since your loan was denied you're entitled to get your deposit back so cancel the sale. Then talk to a mortgage broker and have them check (before you make an application) with their underwriters to see if the part time jobs will be an issue. The main reason for the full time employment requirement is due to the new financing laws that became effective last year. A lender must be satisfied with the applicants "ability to repay" the loan. With part time jobs that assurance isn't there.

    Apparently you and your loan officer was not on the same page... the part time jobs would not be a factor in denying or approving your mortgage loan... your job would play a major role if your current job is not in line with the job you previously had... if you were a plumber before and now you are a carpenter, this would cause awesome concern to your mortgage underwriter and could be a reason for denying your mortgage loan application... your current jobs must be related to your former job... no underwriter ask how numerous hours you work this is not an approval or denying criteria... the only thing that matters is your income and how your income affect your debt ratio... if the same situation exist concerning the job positions, it would normally not do you any good to apply for a mortgage loan with another lender... most all mortgage lenders use the same mortgage investors such as fannie mae, freddie mac, fha, va or other government agencies to sell their mortgages to... they would have the same guidelines and and criteria in order to approve your mortgage loan... they would require the same documentation and proof or income as well as the other same mortgage lender... these guidelines would not change... you might try a mortgage broker to see if there are mortgage lenders that might be available to you, and would approve your mortgage loan... you might be required to have more of a down payment and the interest rate might be higher... you might inquire of your mortgage loan officer what could be done to get your mortgage loan application back on track... this might be a simple matter to solve... if your loan was denied, why are you continuing paying to keep the house? normally in your offer there's a clause that this transaction is based on me being approved for a mortgage loan... you should send a letter to your real estate agent that based on the fact that you were denied loan approval you are no longer interested in the house... if your loan officer is not able to get your loan back on track and solve the job situation you are wasting $60...00 per day... if you are using a calendar week that is $420 per week or $1,680 per month... it is doubtful you are abel to sustain this payment... i hope this has been of some benefit to you, good luck... "fight on"

    Never get a mortgage loan from any of the "big Banks" also never get it over the internet no matter what the commercials say. A local experienced competent loan officer would be able to tell you facts way before it goes to underwriting and you would not have bad surprises like this. It is possible that new loan officer can take data that Chase was using and make this work pretty quickly- it is worth a shot. I can not figure out why they told you it was ok to change that job.

    If the seller is unwilling to wait for you to try and obtain other financing, you will have to walk away from this property. Since you were unable to obtain a mortgage, your earnest money should be refunded. It is extremely unlikely that another lender will approve a new application for the same type of loan. Lenders all (99% of them) use standard underwriting guidelines that you apparently did not meet. You may be able to obtain a different type of mortgage loan - - for example: if you were denied for a conventional loan , you may be able to qualify for an FHA.

    Work with a mortgage broker. They know which lenders will work with you. The mortgage broker gets paid by the lender, not you. The bad news is that you're not going to get a lender who will take you. Your wife might get a loan based on her income alone, or if you can put away more money for a bigger down payment, you might get a loan. Lenders are going to worry that you won't be able to keep up your 64-hour work schedule. You have three bosses to keep happy to preserve your income. Lenders want people with stable sources of income.

    Try another lender. My guess is that the lender probably doesn't think you working 64 hours a week is sustainable long-term. You may have to let this house go. ETA: At this point in time, you might want to try a mortgage broker. They will shop your loan to the various investors they have.

    They did not lie to you. You were pre-approved on your then income and your then job(s). It all changed when you changed jobs. You no longer have the job history you had. Even if the income is the same or better, new jobs do not always work out and part-time work is not always steady work. Basically, you do not qualify under the new jobs. You can 't blame them for that. You should have known to get qualified on your "current" jobs and you do not buy/bid on a house unless you have qualified (not pre-qualified on different jobs/income/status), which you did not do. You sort of screwed yourself. Good luck.

    You were preapproved based on your financial situatin at the time. When you make a majr change in that like going from full time to part time, you can't exxpect the preapproval to hold..Sorry, but you probably will lose it. Your only chance is to find another lender willing to finance you, unlikely.

    You plan to repay $375K by working three part-time jobs? They're right to deny you. You can try other lenders but, you're an imperfect borrower at the moment.

1 week to live... what would you do?

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