Everything everyone is saying is true, but it depends on your preparation as well. Listen, your CREDIT SCORE/REPORT will be pulled and it does matter 100%.
Reason being is because it reflects your ability to manage debt. Our process was cake. I got approved the first meeting. I just had to go back to turn in a couple pieces of paper and thats it.
My FICO is 799 (they will tell you trust me) and me and the wife have a strong savings, along with 401k. With us, it was just about turn in this next week with your latest stub, and boom. We pick up the qualification letter Thursday night. But remember, we were well organized BEFORE we went to our first meeting.
And we labored in prayer. You also need to have a strong agent. We worked with Curtis Luke in Decatur, Georgia. One of the top 2 agents in the nation.
I have heard horror stories, we didnt experience any of that stuff. Look, manage your debt, keep your debt to income ratio LOW, leave credit cards alone, have minimum 3k, manage your paperwork (make copies of everything) and ave a stable income. If your agent is lazy, switch agents. Stay on top of his/her hrad.
You should be ok.
I used my veterans loan the first time, im going to take advantage of this program. G
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