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Should I contact loan officer

Ok so i just closed on my house today and made 28000 profit. I also got a 6000 tax refund and my gf got anoyher 5000 which is a total of 39000. I paid off some credit card debt which was 3000 and i also have a car that i owe 18000 on. I want to get a new house which is 214000 my fico score is 637 due to the credit cards which were almost maxed out but i just paid off. My brother is my realtor and he wants to wait 45 days to even talk to the loan officer kuz of my credit. Should we wait or should i contact the loan officer myself and let her know the situation and see if she can get me prequal letter. Reason i dont want to wait is they have like 9 lots left and house prices are rising. What do you guys suggest. And i am in CA
  • February 20 - US
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