So I just got denied a loan for a home...

[Domingo Halliburton]

why would you even get a home loan from capital one? find another lender, you'll figure it out, get an fha loan if you have a difficult time.

It sounds weird but capital one has moved hard into the lending space.

To OP:

Check other lenders...beware though, a bunch of checks on your credit can fukk your credit score up even more.

A broker can probably find you an appropriate lender.

If you're a minority, woman or a veteran check out government programs.

 

[hashmander]

yeah i think you're going about your search all wrong. applying to a national bank is not the best option unless you have excellent credit and 20% down. i'd recommend you hire a broker who can look into things that match up with your financial situation/background and go from there. down payment assistant programs might even be available in your county. never leave money on the table.

 

[无名的]

I just got preapproved for a 850k loan... buying a Malibu property with ocean views soon

 

[Dolla$]

yeah i think you're going about your search all wrong. applying to a national bank is not the best option unless you have excellent credit and 20% down. i'd recommend you hire a broker who can look into things that match up with your financial situation/background and go from there. down payment assistant programs might even be available in your county. never leave money on the table.

I was reading how brokers usually go with whatever gives them a bigger cut and not necessarily what is best for you. But multiple people in the thread has mentioned a broker so will do some research for some in my area

 

[hashmander]

regardless of the cut they are getting, you only go with the best deal for your budget. i don't care how much the next man is making off my deal as long as the deal is is favorable to me. more reason for them to work harder for me.

 

[Brown_Pride]

I was reading how brokers usually go with whatever gives them a bigger cut and not necessarily what is best for you. But multiple people in the thread has mentioned a broker so will do some research for some in my area

gotta find a reputable broker, but even with an disreputable one you end up with a house vs no broker and no house.... try several brokers.

 

[hashmander]

I just got preapproved for a 850k loan... buying a Malibu property with ocean views soon

 

[The_King_of_Everything]

I just got preapproved for a 850k loan... buying a Malibu property with ocean views soon

How many certs tho ?

 

[无名的]

How many certs tho ?

0



edit:

1... CPR

 

[The_King_of_Everything]

0



edit:

1... CPR

Mouf to mouf?

 

[theworldismine13]

It sounds weird but capital one has moved hard into the lending space.

To OP:

Check other lenders...beware though, a bunch of checks on your credit can fukk your credit score up even more.

A broker can probably find you an appropriate lender.

If you're a minority, woman or a veteran check out government programs.

capital one brought the US division of ING bank

if you get all the credit checks done in the span of a couple weeks the credit bureaus count it as one

 

[无名的]

Mouf to mouf?

Depends who it is

 

[RJY33]

im in the market too. good looks on the broker suggestion. Having trouble getting that 15-20% down

 

[88m3]

im in the market too. good looks on the broker suggestion. Having trouble getting that 15-20% down

that's the thing in a lot of markets today, it's a ton of money. I've been going through the motions to find and buy a place for over a year.

 

[theworldismine13]

im in the market too. good looks on the broker suggestion. Having trouble getting that 15-20% down

for fha its 3%