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Loan officer asked for my transcript

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idkam posted 8/22/2013 08:17 AM

SO and i are in the early process of buying a home.. I go to school full time and work full time.. Is it normal for the loan officer to want a copy of my college transcript?? Damn it seems that want your blood just to qualify you with a loan.... This process is all new to me so i dont know if this normal or not... My ex and i never got to this point in the 10 years we were married....

Undefinabl3 posted 8/22/2013 10:10 AM

When I applied for our house...i had to give them both high school and college diploma's, months of pay stubs, months of bank records and we had to get a signed letter from my step dad saying that the money he was giving us was a gift and not a loan (we are paying him back anyway, but whatever).

it was crazy all the crap that we had to provide, and then re-provide.

idkam posted 8/22/2013 10:48 AM

Yep, thats what we are doing too.. We have to put $5000 in our acct so when they run our credit ( or whatever ya call it) the money will be there... I was realy frustrated last night #1 because my SO didnt ask Why they needed it and #2 because i was in a bad mood anyway ....

I get this way when im strssed out...

BeyondBreaking posted 8/22/2013 13:24 PM

Yes, it is normal.

They basically want to know your WHOLE life. Seriously. They want to know your grades, your credit score, where every single dime of your income goes, etc...

idkam posted 8/22/2013 15:15 PM

BB yep they have that too... The good thing i guess is i was forced to pay two credit cards off to increase my credit score a little bit more..


Amazonia posted 8/22/2013 15:37 PM

It makes sense to me; I know of people who apply to a program, get the student loans, then drop out, take a refund, and keep the money. Seeing a transcript proves you were actually using your loans for what they're for.

Mandilwen posted 8/22/2013 20:30 PM

Yeah, I remember when my loan guy asked why DirecTv pulled my credit report. I said "ummm, because I wanted satellite tv..." Good times.

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