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Tag: liabilities

1 article tagged “liabilities”
Mortgage

The Student Loan Payment on the Credit Report Is Probably Stale: Liabilities, DTI and What an Underwriting Agent Has to Reconcile After SAVE

SAVE is gone, RAP has a $10 floor, and millions of credit reports still show a student loan payment that no longer exists. A technical account of how an underwriting agent reconciles every liability across the 1003, the tri-merge and the documents, why the same borrower carries a different DTI under Fannie Mae, Freddie Mac and FHA, and why we let the agent add a debt on its own but never remove one.

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