pilot mortgages
#21
Gets Weekends Off
Joined APC: Feb 2008
Position: new guy
Posts: 382
I'll say it again. National Bank of Kansas City is the way to go. I've done three mortgages with Dave Devine. One original, two refis. Properties in two separate states (nowhere near KC). Two were VA loans, one was a traditional loan. I have yet to find anyone say they have found a lower rate than what you'll get at NBOKC.
#22
Gets Weekends Off
Joined APC: Oct 2006
Posts: 650
Yeah WF was just being retarded. Since the check at the end and beginning of the month is half guarantee they looked at it like "32.5hrs in 2 weeks is not full time" sent them a copy of my cba. Letter from HR and payroll.they also wanted to verify I was full time at my previous airline which had the same guarantee scale, even though I haven't been on their payroll in a long time.
Awaiting now the next disaster from these people. Will have to try that NB of kci as an ace in the hole.
Awaiting now the next disaster from these people. Will have to try that NB of kci as an ace in the hole.
Are part time employees not allowed to own homes? I have used Bank of America for 3 mortgages. They wanted W-2 to prove yearly income and a current pay stub to prove I had a job.
#23
Gets Weekends Off
Joined APC: Oct 2006
Posts: 650
I'll say it again. National Bank of Kansas City is the way to go. I've done three mortgages with Dave Devine. One original, two refis. Properties in two separate states (nowhere near KC). Two were VA loans, one was a traditional loan. I have yet to find anyone say they have found a lower rate than what you'll get at NBOKC.
#25
Gets Weekends Off
Joined APC: Dec 2010
Posts: 207
Airline peeps! Need a mortgage in NC or SC?
Hello! My wife works for a local mortgage company headquartered in CLT. She specializes in airline relocation as she is the wife of a pilot so she understands the unique differences of this job. She is licensed for NC and SC. She will get you pre-approved or can handle a refinance. She can also place you witha local realtor if you need a good one. Please visit her personal website; www.mebprice.com
Thanks!
Thanks!
Last edited by windrider; 12-09-2014 at 07:25 AM.
#26
Line Holder
Joined APC: Aug 2015
Position: CRJ CA
Posts: 83
I realize this thread is old but we just tried to be approved through National Bank of Kansas City this past couple weeks and they gave us a thumbs-down based on not understanding the airline industry. Just my two cents.
#27
Are you an RJ FO as your position indicates? That could definitely be a problem. You have to meet the income/debt ratios. Not sure what price range you're looking at though.
#28
patience
Joined APC: Mar 2011
Posts: 1,068
Go to zillow.com and click on mortgages for the best and most transparent rates among several different lenders in your area.
If you plug in your info correctly, the rates listed will be close to or exactly what the lender will lock you into if you choose to get an official quote with a particular lender.
Zillow has a good lender code of ethics system in place and inaccurate or shady info provided by lenders will get them the boot off the zillow marketplace.
Pay rates and monthly hourly guarantee shouldn't matter. Two months of pay stubs indicating what you earn each month should be the only important requirement along with credit score and debit/credit ratios.
If you plug in your info correctly, the rates listed will be close to or exactly what the lender will lock you into if you choose to get an official quote with a particular lender.
Zillow has a good lender code of ethics system in place and inaccurate or shady info provided by lenders will get them the boot off the zillow marketplace.
Pay rates and monthly hourly guarantee shouldn't matter. Two months of pay stubs indicating what you earn each month should be the only important requirement along with credit score and debit/credit ratios.
#29
I closed in February with NBKC and had absolutely zero issues with them understanding my pay. Nothing but praises for that bank. Lowest rate around and closing costs were the lowest as well. FYI I used Biff Bryan.
#30
Line Holder
Joined APC: Aug 2015
Position: CRJ CA
Posts: 83
Yes, I'm a RJ FO looking to buy a modest home. The issue was my pay is structured in an unusual way and NBKC disallowed almost 50% of the income so we were dead in the water with so little to work with in the first place. With respect to those who have had success with the bank, I maintain they did not properly understand my situation. FWIW.
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