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Replies (11)
- Rudi Hofmann, "LUXURY HOME LOANS CA"
- Contributions:7435
I think no one understands your question. If you mean exactly what you said I think you should call your credi report service and ask them if they can do this for you. I'd sure like to know why you would want this?
- Ken Kopper
- Contributions:1578
Rudi, for FHA/VA streamlines? Aaron, your current credit report should be able to do this for you. I use Credit Plus and we just email them and they provide us with a Mortgage Only report after we have a popped the trimerge.
- Nic Netherton, "Colorado Lender"
- Contributions:7219
Credit Plus does it for us Aaron, just call your service rep and see if they can provide you with them.
- Clay Branch, "Georgia Loans"
- Contributions:7835
Credit Plus too
- Greg Darlin, "Greg Darlin"
- Contributions:3238
CDS
- Rudi Hofmann, "LUXURY HOME LOANS CA"
- Contributions:7435
Ken, I know very little about FHA, as you see. Boy, 3% down, no appraisal and just mortgage history. To me that's far below the lowest standard for a "full doc" of any subprime lender that I ever heard of.
With so many subprime shps hustling FHA, no wonder there's such a large amount of abuse and fraud. This country's financial condition will be in bigger trouble when these loans go south then we are now. That's really irresponsible and scary!
- Rudi Hofmann, "LUXURY HOME LOANS CA"
- Contributions:7435
shps
- Rudi Hofmann, "LUXURY HOME LOANS CA"
- Contributions:7435
= shops
- Andrew Adams, "203K Specialist"
- Contributions:9349
FHA STreamline doesn't care about credit other thena mortgage history so I don't get the need for it.
- Clay Branch, "Georgia Loans"
- Contributions:7835
Rudi, FHA has already approved the borrower initially and they have paid the upfront MI. If they have a good mortgage payment history they allow the streamline which lowers their debt ratio and improves their ability to pay. This loan has been around for a long time and if they experienced a higher default rate on streamlines they would stop doing them, just like stopping the DPA after they started crashing. If what was said about fannie/freddie looking at no appraisal refi's, it would be the same line of thinking.
- Rudi Hofmann, "LUXURY HOME LOANS CA"
- Contributions:7435
Clay, thanks for your explanation.
Brokers: Which credit provider are you using for mortgage-only credit reports
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- 4.8/5.0
- (10 reviews)
Contributions:249Trying to find a provider for mortgage only credit reports, the kind that only has a trimerge mortgage payment history and nothing else.
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