She said all the issues are more than 2 years back so the UW may not need to have those addressed (provide an LOE). Before she pulled my scoresreport I told her what my scores were from another lender last week.
Using the midscore I gave her (which was the same as merchant cash advance nytimes pulled at 681) she quoted me a 8. 75 fixed, 0 points, 15 year loan if my score was 680 or higher. I told her that with the recent hard inquiry last week my midscore may be lower than a 680 and asked what personal loan interest rates in india terms would be and she said, if approved on the loan with a midscore below 680, add 0.
25 to the interest rate, all else remains the same. So it seems as though, without directly asking, that their "guideline" score is 680. She said we should hear back within a week. I gave her an LOE on my older than 24 month derogs as ammunition and she said that it was merchant cash advance nytimes thorough explanation and will provide it if asked.
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