[sweetlilly]

Qualification letter you can share.
Affordability form containing details of the amount you are qualified for you keep private.
All the agent needs to know is the price range you are interested in which may be less than or equal to the amount you are qualified for.

[sweetlilly]

@shambam405 I never heard back from Damien.
For property inspector I was able to find Andrew Farnsworth who was willing to fulfil the NACA requirements and should now be in their system.
His number and email is : 405 252 0288 , andrewfarnsworth@aehomeinspectionsokc.com.
For a Title company, an MC (who is no longer with NACA) mentioned Abstract and Title company, with Amber Dixon as the contact.
https://www.okcabstract.com/

I have not used either yet as I just got requalified again.

There is no NACA in house realtor in OKC I am aware of.
Two options you can check with:
Roberta Pendarvis -(405) 759-0251 roberta.pendarvis@kevoproperties.com
Tiaa Payne -(405) 361-2337 tiaap@kw.com

[sweetlilly]

Congrats!

[sweetlilly]

Thanks for the heads up sir.

[sweetlilly]

Thanks a lot for the feedback Nelson.
Much appreciated.

[sweetlilly]

@emitchell0130 trying calling their Live Support as well.

[sweetlilly]

@thepatties…Your Housing ratio and DTI are the 2 factors “written in stone” for lack of a better term that influences what they determine you can afford. This should be in the Qualification Workbook.
Additionally, for Savings Shock you have to show and DOCUMENT your savings pattern (savings, 401k contributions , CC payment in excess of minimum etc etc ) and submit it to your MC and let them tell you why you are wrong and they are right if there is any discrepancy.

This is a question that comes up every time at the Post Qualification webinar hosted by Eric Xum ( NACA Mortgage Director ) every Wednesday. The guy is a wealth of knowledge and experience.

And his answer is always the same. Be your own advocate. Prove to them with documentation why you should get more than you were qualified.

I was in the same boat and after following Eric’s advice i was able to get my qualification amount increased from about $1000.00 monthly to about $1500.00

[sweetlilly]

“30K over asking”!?!?… i guess some folks just have deep pockets or are investors looking to do a flip.
Yours truly will NEVER waive appraisal or inspection. NEVER.

I’ll just take my time until this madness settles down instead of paying at the top of the market and ending upside down when things subside.
Good luck to all in your search.

[sweetlilly]

@mrunkewl actually HAND has a form letter ( Member Acknowledgement & Hold Harmless ) that you can use to waive repairs.
You can try sending them an email to see if they can provide it for you.
HAND Dept. 210 319 2978; HAND@naca.com

If you have a way to provide your email i can send it to you. I got it from one of their webinars i attended recently.

[sweetlilly]

@Happyhome … NO I do not think it is normal.
Go to the NACA.com site and lower right click on Live Support and if they are in session you can convey your concerns and someone should be able to assist or guide you. Alternatively you can also call Member Services at 425-602-6222. Wait times can be long however.

Regarding the 401K question , make sure to write an LOE stating it can be used as MRF and attach any supporting statements and upload to you WebFile.
Also make sure to send the LOE to your email nacalynx email (emailxxxxxxx@nacalynx.com) for good measure.
I have never had any issues uploading any docs to my web-file. I try to use Internet Explorer, on my computer, which is NACA’s RECOMMENDED browser.
Keep your December date.
Hang in there and good luck.

[sweetlilly]

@MovedbyFaith thanks for sharing.
You sure are a trooper!!

[sweetlilly]

To be honest payment shock calculation is simple math.
To hear it explained makes it seem like rocket science. It is not.
As long as you can send LOE to explain any savings pattern to satisfy the underwriter ( the judge and jury) you should be fine.

[sweetlilly]

@tiki as long as you are comfortable the realtor is working in YOUR best interest is all that matters.

[sweetlilly]

Go to Naca.com and on the front page somewere in the middle, look for Workshops, Webinars and Events and click on Live Webinars ( Purchase Education) you should see a link for Purchase Workshop Registration.
https://register.gotowebinar.com/register/9039627558570085133

[sweetlilly]

Thanks

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