Good Morning!
You may have been told by your loan officer that you have to remove the disputes from your credit before they can underwrite your loan.
For Conventional loans there is really no way around this. You will have to remove them.
However, for FHA loans you don’t necessarily have to remove them.
This is true for manually underwritten FHA loans.
So, if you are getting an FHA loan, and your loan officer wants to remove the disputes. Ask your loan officer to have the file manually underwritten.
On a manually underwritten loan the underwriter can underwrite the loan “around” the disputes. …Ignore them in other words.
Your lender may have their own “overlay” rules to remove the disputes even on manual loans. If so, you can change lenders to someone that wouldn’t do that.
…like me! Ha!
That’s it for today!
Have a good day today! …and thanks for reading.