[enigmamisha]

no credit, using non-traditional sources of credit.? The loan consultant is very unprofessional and keeps running circles around any direct questions. My fiance' is doing this in his name only because my credit is not spotless. He was advised that no credit is better than bad credit and to proceed solo.He was pre-approved based on non-traditional sources of credit, 10 years on the same job, debt to ratio, and wages. He was told that once he wanted to put an offer in on a house to do so and just have our Realtor call our consultant.He put an offer in about 2 weeks ago. The contract was contingent upon seller paying 6% on closing and settlement no later than Nov 3. The selling bank sent a counter-offer. They agreed to pay the 6% but added the fees to the sale price of the house which increased the loan amount AND settlement no later than OCT 15. Everything was ratified last week and this loan was put into motion. Since though, the loan consultant has become a very difficult person to deal with. It takes days to return my fiance's calls and is as general as possible with any answers. Our realtor worries that time is too short for the loan to be manually underwritten (due to the Non-traditional credit) and that the contract will fall through. He has also tried to get info from this lady with no luck. She has actually stated that she has other important things to do and doesn't have time for our mindless questions.What we would all like to know is if there is an average success rate for this type of loan, what possibility there is of getting it underwritten and at the table by the deadline, what can my fiancee do to improve his chances of being approved. This woman did issue a pre-approval that was contingent strictly upon underwriting without actually viewing his financials...thank goodness he had everything measured down to the penny on the application, there will be no discrepancies there!We are on pins and needles, our frustration is getting the best of us and we have lost lots of sleep over this. He has stayed up at night getting sick over this. What may seem petty to the loan consultant is a major deal to us. This is the house of our dreams and feel that she and her lack of experience coupled with a serious character flaw will make this deal fall through! This is not especially pertinent but she also has made a snide remark/facial gesture about me being his fiance' during one of their meetings. He got really upset about that and told me. We went in and discussed it with her together just because I'm not on any of the documents so it really doesn't matter and the comment was unacceptable and unprofessional. We kindly told her that we would much appreciate it if that didn't become a regular occurrence. She waited until he ran a paper in alone yesterday to ream him out for that. (on a side note, i'm not particularly unattractive..but I do look much younger than him--even though there is only a 5 year difference...so maybe that was her issue but it still bothered us that someone we are trusting--and at this point are stuck with due to time-- would act this way). I need someones opinion on this who's been there or maybe sat on the consultant's end of the table.Yes, this IS a lady from wells fargo. We are terrified that if we do anything to aggravate her that she will do something to jeopardize the loan (such as not turning required paperwork in to the underwriter)..doesn't make sense though....this is HER paycheck too

[life coach]

This is a lady from Wells Fargo? Making comments that are none of her business? You both go straight to the bank president. She has no business reaming him out for the slightest thing. Get her reported in person and quick. She is on a power trip and must be stopped.