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BANKRUPTCY RECORDS FOR MORTGAGE APPROVAL
EMAILED WITHIN ONE HOUR


Complete Bankruptcy File $30
All of your Official Bankruptcy Records with your Discharge, and a Docket Report confirming your records are complete.
Bankruptcy Discharge Papers $10
Get your Official Federal Bankruptcy Discharge Papers (or Dismissal) emailed to you within 1 business hour.
Schedules Package & Discharge $25
Includes your List of Creditors and all Schedules (A to J), your Voluntary Petition, and your Discharge or Dismissal.
Bankruptcy Docket Report $10
The Bankruptcy Court’s Official Index of all records in your case, with the total page count, and court filing information.

Click on the links above for full details or to see examples.
All Documents Are Guaranteed Official U.S. Bankruptcy Records

Have Questions? Call Our Support Staff For Assistance At: 800-650-5002

Order Now
Complete Bankruptcy File $30
All of your Official Bankruptcy Records with your Discharge, and a Docket Report confirming your records are complete.
Schedules Pkg and Discharge $25
Includes your List of Creditors and all Schedules (A to J), your Voluntary Petition, and your Discharge or Dismissal.
Bankruptcy Discharge Papers $10
Get your Official Federal Bankruptcy Discharge Papers (or Dismissal) emailed to you within 1 business hour.
Bankruptcy Docket Report $10
The Bankruptcy Court’s Official Index of all records in your case, with the total page count, and court filing information.
Click on the links above for full details or to see examples.

Guaranteed Official
U.S. Bankruptcy Records

      
   
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Find Out Who Controls Your Mortgage Approval Below ...

What Is A Mortgage Underwriter


"Dear Borrower..."

You’ve finally found your dream home. Your real estate agent has informed you that your offer was accepted, and now it’s time to get your mortgage. So, you head to the loan officer with your pay stubs, tax forms, and first-born child (just kidding, sort of). You turn it all in and go home to hold your breath and wait to see if you’ve been approved. Then you get “The Call”. The underwriter needs to see…. Your first thought is “who is this underwriter and what do they have to do with my getting a mortgage loan?”.


The Power Of The Pen

The underwriter is actually the person who the sole decision-making capability to determine whether you get that loan or not, and thus your dream home. They determine whether you’re a good risk or not. In order to do so they consider the “3 C’s” of underwriting: credit, capacity, and collateral.

What Is A Mortgage Underwriter?

The "Three C's"

•   Credit – the underwriter looks at how well you have managed your debts, current and past. They check with the credit bureaus to see your legal history (and liens, etc.), your credit history and your credit score. This is when they are most likely ask you for any documentation on any derogatory credit items, to explain such incidents as foreclosures or bankruptcies – and assess the likelihood of their happening again. In the case of a bankruptcy, VA and FHA underwriters are required to obtain a copy of your complete bankruptcy file – and they mean everything! Even when you’re not applying for a VA or FHA mortgage, it’s not unusual in today’s mortgage climate for an underwriter to require a complete file (as verified by including the docket report) for any type of mortgage.

•   Capacity – this is your ability to make the payments on your mortgage; also known as the ability to ‘service the debt’. To determine this, they look at your employment history, income (typically for the last two years), debt to income ratio, and your assets. The underwriter also looks at the stability of your current employment.

•   Collateral – the underwriter will look at the value of the home you are buying, as well as whether it is your primary home, a rental home, or vacation home. They will also look at the neighborhood and market conditions, and will require an appraisal of the home. This is to make sure it is priced appropriately for its value. In some cases, the underwriter may recommend that mortgage insurance (M.I.) be required by the lender. M.I. is an insurance guaranteeing the lender that a certain percentage of the mortgage balance will be paid by the insurer in the event you default. Typically, M.I. is required when the loan is for more than 80% of the home’s value.



Always Provide Your Docket Report

So, as you can see, an underwriter is a very important person in the mortgage process when it comes to buying your dream house. When they ask for something you want to get it to them pronto. And omitting paperwork, or pages within the paperwork, only raises their suspicions (“what are they trying to hide?”). This is why we provide your Docket Report with every full bankruptcy file order. That way the underwriter can see immediately that your bankruptcy paperwork is complete. And, if everything else looks good, you will soon be moving into the home of your dreams!




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Disclaimer: This Content Does Not Constitute Legal Advice

This article is for informational purposes only and should not be construed as legal advice. Consult with a licensed bankruptcy attorney if you are considering bankruptcy, or other competent counsel before pursuing the subject matter of this article. Collection laws vary from state to state.

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(800) 650-5002

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When you visit our web site, and fill out our order form or call us, you will be providing us with some personal information, for example: your full name, the last 4 digits of your SSN, and your personal contact information. This information is solely for the purpose of the retrieval of the documents you are requesting from us, as well as information necessary to contact you. We do not sell, or distribute any of your personal information to third parties.

We may retain the content of your e-mail messages and your e-mail address, as well as any correspondence between you and our firm, including your order, for our internal records. We will never rent, sell, or distribute in any way, your personally identifiable information to third parties for marketing, or any other purposes.

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Please remember that bankruptcy records are public records, and therefore may be requested by anyone.

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