Louisville Lenders

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10-07-2022, 07:08 AM

airplanes

Derby boiiiii

Thread Starter

Joined APC: May 2022

Posts: 98

Louisville Lenders

Anybody have a local lender that is familiar with the rather significant change in pay between years 1 and 2 at UPS. I’m looking at moving to sdf but I’d like to be able to get a decent loan. However those paychecks don’t look real impressive at the moment.

Also feel free to chime in on oldham county vs southern Indiana

10-07-2022, 07:29 AM

flyguy23

Gets Weekends Off

Joined APC: Jul 2007

Posts: 919

It’s been a while since I went through that scenario, but my experience when shopping around was just about every local lender was very familiar with year 1 vs year 2 pay. All were willing to accommodate.

10-07-2022, 08:27 AM

BlueCJ

New Hire

Joined APC: Feb 2021

Position: Not sure yet

Posts: 5

Contact payroll. They give you a letter explaining current pay vs 2nd year.

10-07-2022, 09:35 AM

BoilerUP

The NeverEnding Story

Joined APC: Sep 2005

Posts: 7,512

Many SDF local lenders & mortgage agents are familiar with UPS pilot compensation.

I'm biased but think money goes further in Southern Indiana, and public schools are very good.

10-07-2022, 11:03 AM

Russell Kasse

Line Holder

Joined APC: Jul 2016

Posts: 88

Quote:

Originally Posted by BoilerUP

Many SDF local lenders & mortgage agents are familiar with UPS pilot compensation.

I'm biased but think money goes further in Southern Indiana, and public schools are very good.

Second. HHMS and Floyd Central are top notch.

10-07-2022, 05:51 PM

Trip7x

Line Holder

Joined APC: Oct 2019

Position: 777

Posts: 26

Trident in Florida will make an exception. Only a month before you close. The problem is you make less than 50k. You probably qualify for government assistance. Nobody is going to grant you a 500k - 1 million dollar loan. I went through the process a couple of years ago.

10-07-2022, 10:44 PM

pony172

Gets Weekends Off

Joined APC: Oct 2009

Position: long haul

Posts: 126

Try Republic Bank. I have my crashpad financed through them. They came through big time when another bank didn't understand how we worked. I can give you who I worked with if you need it.

10-08-2022, 02:56 PM

tnkrdrvr

Occasional box hauler

Joined APC: Jan 2018

Posts: 1,684

NBKC helped me out when I was buying probationary year. I did come to the table with 20% down.

10-09-2022, 06:16 AM

ClncClarence

Clear ECAM

Joined APC: Oct 2014

Posts: 887

Quote:

Originally Posted by tnkrdrvr

NBKC helped me out when I was buying probationary year. I did come to the table with 20% down.

I’m not at UPS but I did buy a house while on first year LCC pay through NBKC (Costco lender program) and they were great to work with. They were very familiar with how the pilot pay scales work.