HOME LOAN

[KO1345]

Greetings All, 

   So come years back I went through a divorce, I signed a quit claim for the deed on the residence.  Un-know to me at some point the payments stopped and the only notification I received was a Deputy Sheriff giving me a notice that the next day the house was going up for auction and I needed to get out.  This was a few years after signing the quit claim.  

So now my home loan benefit is all messed up, I talked to a lawyer who said well she didn't do it out of malice (not true, that's another story)  I called the VA direct and they basically told me to pound sand.

 

Is there a way , providing the relative documentation to the VA that I could get them to fully re-instate the home loan benefit??? or if anyone knows of a similar case how do I resolve this.  

My life is in a better place and Id like to purchase a home, the default that hit my credit report will drop off soon but my credit has not quite recovered yet and this would be an a huge help.

any advice, or guidance would be greatly appreciated.

 

 

[JR Reihs]

You really need to call a VA home loan specialist in your local area.....Not the VA.  

Let them look this over and see where you really stand.

[broncovet]

Do you have a certificate of eligibility (for a VA loan)?  

Allow me to explain a little bit on VA home loans. 

VA loans have changed, over the years.  https://www.veteransunited.com/valoans/explaining-va-entitlement-what-youve-earned-and-why-its-important/#:~:text=VA loan entitlement is the,to the conforming loan limit.

That is, the loan limits increased, as home prices rose over the years and decades.  

Have you been denied a loan?  Have you been denied a certificate of eligibility?  Did you check in ebenefits for  a COE?  

I used my VA loan many years ago, but eventually that loan was paid off and Im now eligible for full loans again.  

You need to get to the bottom of this, and the first place to check is ebenefits.  Tell us what it says, and we will try to direct you from there.  

 

 

 

[Buck52]

 TAKE A GANDER AT THIS LINK....IT MAY OR MAY NOT HELP YOU.

.https://www.veteransunited.com/realestate/4-credit-questions-va-lenders-will-ask-you/

BUT IF YOU BEEN RED FLAG BECAUSE OF WHAT HAPPEN.. I THINK YOU WOULD NEED TO  CHECK WITH THE VA LOAN OFFICE AND ASK THEM HOW TO GET THIS ALL STRAIGHTEN OUT...THERE''S A WAY YOU CAN FIX THIS.

[Tbird]

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