Collection in the past 12 months?

Tips and Deals Forums Home Mortgage Collection in the past 12 months?

This topic contains 0 replies, has 1 voice, and was last updated by  Anonymous 6 years, 9 months ago.

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    We are, still, trying to get approved for a USDA Guaranteed loan. I know one of the UW guidelines are no collections in the last 12 months. My GF has a CA that reported in 10/11. What is the earliest we can apply for a loan? I guess technically the month of September will be the 12th month. Can we apply in October, or do we have to wait till November?

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