Fico 5, 4, 2 is 610, 569, and 599. We have 4yo unpaid COs (job loss, very sick child). Pre approved with different lenders from $173k (low end) to $225k (high end).
single borrower makes $45k, car payment of $370, and low credit card limits with under 5% util. Excellent VOR and flawless payment history from past 24mos and on.
Made an offer on a house and was accepted for $190k, but now curious about other lenders.
We’ll need manual underwriting, won’t we? Can GCA do manual underwriting? Are they a direct lender? Can they help us make this dream a reality?