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My LO seemed positive given the estimated LTV and my DTI level after the loan. My midscore (681) seemed adequate but with that said there are some baddies reported such as an old paid judgment (from 2006), two old paid collections (from 2006) and the most recent 30D late in March 2009. 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 she 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 personal loan agents in gurgaon the terms would be and she said, if approved on the loan with a midscore below 680, add 0.