Thank you for the clarification! We had the original lender pull our credit a few weeks ago and have been unable to get in contact with her to obtain a copy, should we wait a while to have the new lender pull credit so that it does not affect our score?
Thank you for your response. They just mentioned that they have the funds in house to fund the loan and would only have to send the loan to USDA to do the final underwriting. The other lender mentioned that they send all of the details you USDA themselves and so the process takes longer. Also one lender required a credit score of 640 and the other 620. I'm beginning to get confused with the requirements to qualify for USDA. Would anyone be albe to better explain it to me?
Trying to decide between two potential lenders. One who can process USDA loans in house and one who would have to send the loan to USDA. Which is better?