I like this card i actually have 2 threw them and will be getting my car loan through them.
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Facts: Conventional refinance @3.0% for 15 years -FICO 690 – Past BK 7 (over 4 years since discharge) – past 4 years of solid credit – single title holder – one mortgage lien – private lender (not on credit report) – 100K annual salary – 41% loan to value ratio – 57% income to debt ratio (with current mortgage) – no missed payments – didn’t take any equity with refinance.
Closed in 40 Days/Mortgage HUB (uploading & digitally signing documents)/Once my current payment history, salary, and appraisal were verified, everything went fast.
Was waiting for them to ask and verify blood type. Get ready to verify things you wouldn’t think matter. In their defense, all banks are doing it/tough to get a hold of your load specialist. I don’t think they returned one phone call – a little frustrating when you had a question. However, once my appraisal came in and my employment & salary were verified, the emails started flying/The HUB upload website does not explain why a document was rejected, which correlates with not being able to verbally communicate with your loan specialist. If CapitalOne correct that, it wouldn’t be so bad.
Overall, I’m satisfied with getting a 3.0% mortgage with a past BK. Not the simplest process, but it got done, and the final disclosure did not vary much from their initial offer/closing cost (it was actually a little cheaper than stated). Plus I received 100,000 points on my CapitalOne credit card.