[nfb-talk] question regarding mortgage loan

Thu Aug 8 13:18:08 UTC 2013

 Congratulations, sherry!  That is why I bought a condo.  Only utilities, water and Comcast.  No paying for cutting of grass and outside maintainance like snow and trimming of trees.
Enjoy your new home!

Terry Powers

-----Original Message-----
From: Sherry Gomes [mailto:sherriola at gmail.com] 
Sent: Wednesday, August 07, 2013 6:26 PM
To: 'NFB Talk Mailing List'
Subject: Re: [nfb-talk] question regarding mortgage loan

No kidding! I'm so nervous about all that.

-----Original Message-----
From: nfb-talk [mailto:nfb-talk-bounces at nfbnet.org] On Behalf Of Mike Freeman
Sent: Wednesday, August 07, 2013 4:08 PM
To: NFB Talk Mailing List
Subject: Re: [nfb-talk] question regarding mortgage loan

And have fun with home maintenance expenses! (Grin) Mike

On Aug 7, 2013, at 14:11, "Gloria Whipple" <glowhi at centurylink.net> wrote:

> Congratulations!
> 
> Good luck in your new home!
> 
> -----Original Message-----
> From: nfb-talk [mailto:nfb-talk-bounces at nfbnet.org] On Behalf Of 
> Sherry Gomes
> Sent: Wednesday, August 07, 2013 14:08
> To: 'NFB Talk Mailing List'
> Subject: Re: [nfb-talk] question regarding mortgage loan
> 
> I don't mind giving them the income verification. and I've done that. 
> It
was
> getting a letter from a doctor that I will still be disabled in three
years
> that I questioned. They've backed down on that and are now accepting 
> the SSDI letter as enough. I found a HUD article that talked about a 
> suit against bank of America for asking for just such a thing, 
> doctor's verification that the person would still be disabled in three 
> years. I
sent
> that to the person I'm working with and then the underwriter said the 
> SSDI letter would suffice.
> 
> 
> 
> -----Original Message-----
> From: nfb-talk [mailto:nfb-talk-bounces at nfbnet.org] On Behalf Of 
> robert stigile
> Sent: Wednesday, August 07, 2013 3:04 PM
> To: NFB Talk Mailing List
> Subject: Re: [nfb-talk] question regarding mortgage loan
> 
> Hello,
> I thought when I read it earlier, she was receiving ssi, I receive 
> ssdi as my wife does too.
> They had to receive letters from Social Security as did they from my 
> employer, to verify income, if you were working full time, they would 
> verify that income from your employer.
> It is standard procedure.
> They want to make sure you will have the funds to pay back the loan, 
> and that you will be steady in your finances.
> 
> 
> Robert Stigile
> phone: 818-381-9568
> e-mail: rstigile at gmail.com
> Skype: robertstigile1
> Twitter: rstigile
> 
> ----- Original Message -----
> From: "Sean Paul" <newsandtraffic at aol.com
> To: "NFB Talk Mailing List" <nfb-talk at nfbnet.org Date sent: Wed, 7 Aug 
> 2013 16:12:49 -0400
> Subject: Re: [nfb-talk] question regarding mortgage loan
> 
> She is not recieving SSI, she is recieving SSDI which is a totally 
> different animal here.  I'm still waiting to hear back from those I 
> reached out too on this matter.  Hopefully it'll be before they leave 
> their offices today.
> ----- Original Message -----
> From: "robert stigile" <rstigile at gmail.com
> To: "NFB Talk Mailing List" <nfb-talk at nfbnet.org
> Sent: Wednesday, August 07, 2013 16:09
> Subject: Re: [nfb-talk] question regarding mortgage loan
> 
> 
> Hello,
> Actually they can ask your employer if you will be there in three 
> years, and they did when I bought my house.
> I also had to get a form from Social security, but the only form you 
> are going to get, which should suffice, is the awards letter which 
> states you are receiving ssi.
> Hope this helps,
> 
> Robert Stigile
> phone: 818-381-9568
> e-mail: rstigile at gmail.com
> Skype: robertstigile1
> Twitter: rstigile
> 
> ----- Original Message -----
> From: "Sherry Gomes" <sherriola at gmail.com
> To: "NFB talk list" <nfb-talk at nfbnet.org Date sent: Wed, 7 Aug 2013 
> 12:44:11 -0600
> Subject: [nfb-talk] question regarding mortgage loan
> 
> hi all,
> 
> I'm in the process of trying to buy my own very first owned home.  I'm 
> 55, and I've rented all my adult life.  The person who has been 
> working with me on getting my loan processed emailed me today to say 
> that the loan underwriter wants a document from a doctor verifying 
> that I will still have my disabilities for the next three years.  I 
> work--am self-employed--and I get some SSDI.  this requirement does 
> not seem fair to me.
> after all,
> they
> can't ask a person without a disability to get their employer to 
> verify that they will be employed for the next three years.  and in my 
> case, they aren't even asking me to get the company for which I 
> contract to verify I'll still have my contract in three years.  Are 
> they allowed to ask for such verification? When I keep questioning 
> this, they tell me they can'[t refuse the loan on the basis of my 
> disabilities, but that they can ask for this verification from my 
> doctor.  It doesn't seem right.
> 
> Sherry
> 
> 
> 
> So hold this moment fast,
> And live and love as hard as you know how, And make this moment last, 
> Because the best of times is now.
> --La cage aux Folles
> 
> 
> 
> 
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