1st time homebuyers some questions - Update: Creditor out of the woodwork!

Question

I have worked hard over the years to correct several credit issues. As a result, I have excellent credit (mid score 770), but a high dti with a student loan @ $52 k+, a personal loan that was used to pay off several large credit balances taken out a year ago (now @ $16K), a car loan from 2 years ago ($17K). My salary is $50K/yr. My husband was laid off back in 2010 and left an apartment lease, so that is on his credit file. He earns $48k/yr now, having been employed continuously since 2012. His mid score is 660 and has little debt, one credit card with about $2k balance he has been paying off on time and over the minimum. We have been preapproved for a VA loan and have put in a contract on a house. Closing is in Aug. We are pending appraisal (already ordered) and are in loan processing. We need both our salaries to qualify for the loan to buy a house in our desired area, and his VA status for the VA loan. We have been married 2 years. My husband's company has changed hands from the original, to another, then another since he has worked there. The last changeover happened last year in Sept. The old entity was completely dissolved and there is no way to verify employment. However, I am a packrat and I have all, or maybe most, of his paystubs from that previous employer, and of course the w2 that was filed during that period with IRS. But theres no HR dept to contact to do a formal verifications of employment for that company anymore, and the current company will only verify for the period in which they took over. So I supplied the ream of paystubs, and gave the lender the contact information for my husband's supervisor who can also verify that my husband has been employed continuously, consecutively, without gaps, for 3+ years, and he also wrote a LOE that simply explains that the previous company listed on his W2 doesn't exist anymore. Is it possible this will satisy the lender? Also, knowing that we will have a month before our first loan payment is due after closing, I wanted to wait to give our current landlord notice of our vacating until that time. She is already aware we are in the process, but since we are now on a month-to month, I didn't want to initiate that until I was sure the contract will close. My lender has not asked for verifications of rent, or even my landlords contact info, should I be proactive and supply those so as to not hold up the process? Will they even ask? I've rented here for 5 years, my husband is listed as an "occupant" as I had already been living here when we got married. The differance between our current rent and the mortgage including tax and insurance will be +$400. I'm just very anxious that something may hender this process. My husband is having to work a lot, too much, right now and it's all fallen on me to complete these things when the lender requests. We actually got in a silly argument last night because I was trying to get almost 2 years of biweekly paystubs in the correct date order and asking him to help, and... never mind. We never fight. It's stupid to get into an argument over this and he actually said he'd rather walk away than us fight. That's sweet and all, but having already invested about $2500, and much time and papework, I think I'd like to make sure this goes through.

Answer 1

I activated the cards. I had actually forgotten about the first one, but had gotten another one in the mail that day, so it suddenly occurred to me that I better get that taken care of if it wouldn't mess up anything. Appraisal came back with good news, priced right and no repairs needed. Loan is through under writing and headed to "final approval". What do they do at that stage? Is that when they may do another credit pull? No issue, we've been very careful, though my son's car needed some work it was less than the payments I had made on the CC I used. Since this month was a "3 payday" month, I may just pay the most recent charges before the bill comes, but I always use my credit card rather than my bank card because of it being easier to dispute charges if some type of fraud happens, and I'm not out $$ while they do the research. Got another call from the deadbeat zombie junk collectors. I have a few other colorful phrases, but let's keep it clean. My husband was all irritated with me because I answered the call and it got me all agitated again. This one claimed to be calling from "Citibank" when I asked her the name of her company. Repeated it twice. But then couldn't tell me what the supposed debt was for "possibly a loan"... "or maybe a credit card". Even said it was from "sometime from 2002-2010" when I questioned when this supposed loan or credit card was from. Refused to give me the address of the company, and therefore made it obvious she wasn't actually calling from Citibank, she could have just referred me to their address, it's not like it's not readily available. She just kept talking over me and yelling when I kept repeating my request for her company name and the address. Then again said they were filing papers for suit "that day" and to expect to be served "since I'm obviously not willing to take care of this." You bet your bippie. I went ahead and created a watch on my credit reports to notify me of any inquiries, changes in score, etc. I used Experian but paid for all three. I also went ahead and reported the calls to the CFPB even though I didn't have the company name. But I'll let the next one go to voice mail and hope they leave a number I can research to track them down.