I have been a member of USAA for almost 20 years and am an Army Veteran. USAA has been awesome for me and my family, however, their approval process is more conservative and their rates are not as competitive as other lenders.

As a preferred realtor for the Texas Veterans Land Board, I would highly recommend Lisa Warren of SWBC Mortgage to assist you. Here is her info:

Lisa Warren
Senior Mortgage Banker - SWBC Mortgage
NMLS# 227358
8400 Blanco Rd, Ste 100
San Antonio, TX 78216
210-494-5626
lwarren@swbc.com
http://www.swbcmortgage.com/warren

She is super easy to work with and is very committed to assisting veterans - you can even find her on facebook as 'TX Vet Loan Girl.' Let her know Darrell recommended her and when you are set to find a home, I'll be glad to assist.

Regards,

Darrell D. Drouillard
Home Team of America
16719 Huebner Rd., Bldg 4
San Antonio, Texas 78248
210-373-6160
210-881-6760 (Fax)
http://www.dddrealtor.com

'Serving all Your Real Estate Needs'

You are not alone. In San Antonio, several of my USAA member buyers intended to get a loan through USAA, were denied, and end up very happy somewhere else.
I, also a long-tme member, have chosen another lender after shopping around. Interview at least 3 lenders and ask many questions before deciding.

Norma Tilleman
E-PRO® REALTOR®
Realty Executives - Select Properties
Cell: 210-452-6480

Very sorry to hear. We have seen many that have had this happen with USAA and I'm also betting that they sent you to their own "suggested" Realtor so that they could make even more revenue on your file.

I just went through this with a buyer on one of my listings. In fact, they went through TWO other lending companies before finally talking to my company at Legacy Mutual. Tyler Krug not only got them corrected for what they needed, but also found a more suitable loan program that fit them better to actually get qualified. You may want to give Tyler a call at #210-204-8249.

Thank you for your service to this country and God bless you on your journey. Btw.. hope you're getting excellent advice from your Realtor along the way here.

Take care,

Josh

USAA does not offer all the loan products that are available. I have been in Real Estate for over 12 years. I work hand in hand with the best Loan Officer in San Antonio. They specialize in VA and TX Vet loans. Please feel free to give him a call. He is with Academy Mortgage and his direct number is 210.347.8100. His name is Adrian Trevino and he can guide you step by step. Once you get this taken care of I would be more than happy to show you homes.

Tanya Trevino, Realtor
Keller Williams Realty
210.846.4465

Yes indeed... you just need a master of the presentation of your file... there simply is no one better than Kasey Hampton at DHI Mortgage. She is by far the best loan officer San Antonio has seen.

Go here: http://www.DHIMortgage.com/Kasey-Hampton

You can thank me later ;)

Jason

You may also go to a Wells Fargo branch here and see if they can help you. I understand that they are giving FHA loans for credit scores as low as 600.

Call me if you have any questions or would like to discuss your options. I have over 19 years experience and am an Accredited Buyer Representative! I'd be glad to assist you.

Sincerely,

Amanda P. Herring
Realtor-Broker, ABR
(210) 771-8608
amanda@amandaherring.com

Credit scores are simply a threshold, not the big picture. Choose a Realtor and have them introduce you to the local lender they trust the most. Meet with the loan officer face-to-face and provided them copies of everything they need to process your loan, only then can you get a good answer to this question. Check the balance on hubby’s credit cards, if he has one with a low limit and a high balance that will kick the stuffing out of his credit score. Might be possible to bump his score 50 points for a few hundred dollars. Do not dispute negative entries on his credit report that are accurate even if someone tells you it is okay, it isn’t. Good luck,

Jim Simms
NMLS # 6395
JSimms@cmcloans.com
Financing Kentucky One Home at a Time

Hi, Christina,

Texas has a Texas Vet Loan that can work with just about ANY kind of loan, VA, FHA, Conventional. It's advantage is that the rate is WELL BELOW the current VA rate. However, USAA doesn't handle those, as far as I know. Currently they are offering 3.2% for a 30-year fixed loan! See: http://www.glo.texas.gov/vlb/veterans-benefits/veteran-loans…

We don't originate loans, but we know several great lenders who are very competent and competitive. A good loan officer will not just tell you you don't qualify, but also give you a specific plan to correct any deficiencies.

Your REALTOR should also be an active participant in the process. If you are not working with an agent, you need to get the best one you can find to help you navigate the process. Feel free to visit our website for more information: http://www.ElegantTexasHomes.com.

Our experience with giant corporate lenders is that they like the low-hanging fruit, but when the transaction gets the slightest bit complicated, they sometimes offer little help. We can fix that.

Best regards,

Doc Stephens, REALTOR®

What was the reason for denial?

Certainly if anything has changed, you can apply again.

Tom Burris
Mortgage Banker
DallasLoanGuy.com
(214) 763-4629 cell/text/nights/weekends(Really!!)
tomburris@dallasloanguy.com
Lending all across the entire Great State of Texas!!
NMLS# 335055
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134

Hi Christina,

I maybe able to help you. Please check out my personal VA mortgage website by clicking the link below and you can always contact me directly.

John Burke
Senior Mortgage Banker
ENG Lending
(877)228-9069

I may be able to help, I have a lender with whom I have been working with for years. She has been in the business for well over 20 years. If you are not represented by an agent, please do call, text or email me at s.casas.iconrealty@gmail.com. Thank you for reading.



Susan Casas
210-835-6696

Hopefully when you were denied the lender gave you some suggestions on bringing up your score. It could have improved in 2 months time and I would suggest you talk with a lender and ask some questions about your personal financial portfolio. Shannon Collier with SWBC is well adversed in VA loans. Her number is 210-342-5155. You can always talk to several and see which lender you think will take your interests to heart.