I've had 2 VA loans with them under 3.5% both with points to me not the other way around (They paid me, not me paying them).

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.

Can you PM me this guy's number? I am about to refi one of my houses.

PM Sent



filler

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!

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.

Did you try Dave Divine at NBKC? I used him for a purchase and refi, based on recommendations from this site. He rocks. He does know the industry and was easy to work with.

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.

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.

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.

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.