Close

See current mortgage rates on Zillow Mortgage Marketplace

Profile picture for user8691372

Are there any lenders that use the va underwriting guidelines with no overlays?

  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
July 01 2012 - Montgomery
We think we've answered this question for you!
  • Be a Good Neighbor. Be respectful and on-topic. No spam or self-promotion! See our Good Neighbor Policy.
 
 

Answers (7)

Wells Fargo, Bank Of America and Chase (CITI is not a player here in TX, so I guess I should've said the the Big 4); sorry. :-)
All the best,
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
July 01 2012
Profile picture for user8691372
Thanks. What are the big 3? Wells, citi, and ...?
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
July 01 2012
That's not in our footprint (we lend in 16 states but not AL); sorry. Suggest you look for a large local bank that does VA loans (not one of the big 3). My suggestion is to work direct with a bank, not a mortgage banker or broker in this situation. All the best, - Al
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
July 01 2012
Profile picture for user8691372
Alabama and yes the property is in Alabama.
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
July 01 2012
What state are you located in? (same as the property you are purchasing, correct?)
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
July 01 2012
Profile picture for user8691372
I have fico of mid to high 600s, a backend dti calculated using the va form 26-6393 of 39 percent and am 24 months out of a short sale. As I read the va underwriting guidelines I am eligible for a loan with these factors but I don't know of any banks that don't overlay the va guidelines with lower dti requirements or longer post short sale wait periods. Plus I am unsure how the aus affects decision making by lending institutions. Any advice would be appreciated.
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
July 01 2012

Our bank did not take any TARP $ from gov, so no overlays.
Why do you ask?

  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
July 01 2012
 
Related Questions
Are there any lenders that use the va underwriting guidelines with no overlays?
Profile picture for Al Rodenburg
Latest answer by Al Rodenburg
July 01 2012 | 7 answers
I did not get any quotes on my loan request (ZR-JTFHZFD). Can someone help me figure out why?
Profile picture for Michael Patterson
Latest answer by Michael Patterson
January 23 2010 | 4 answers
Mortgage Rates
 
Be A Good Neighbor

Zillow Advice depends on each member to keep it a safe, fun, and positive place. If you see abuse, flag it. More on our Good Neighbor Policy.

Homes for Sale
  1. 6109 Henley Hedge Ct, Montgomery, AL Home For Sale
    6109 Henley Hedge Ct, Montgomery, AL 36117

     For Sale: $398,200

    • Beds: 4
    • Sqft: 3333
    • Baths: 3.5
    • Lot: 3354
  2. 3009 Baffin Dr, Montgomery, AL Home For Sale
    3009 Baffin Dr, Montgomery, AL 36110

     For Sale: $39,900

    • Beds: 4
    • Sqft: 1467
    • Baths: 1.0
    • Lot: 8450
  3. 2117 Vaughn Ln, Montgomery, AL Home For Sale
    2117 Vaughn Ln, Montgomery, AL 36106

     For Sale: $269,000

    • Beds: 3
    • Sqft: 3064
    • Baths: 2.0
    • Lot: 24393