Is there a way to get a mortgage faster?

Maybe I am missing something here, but I don't see any reason why you would need to wait to apply for any mortgage financing UNLESS the late payments on the old loan in your name were within the last 12 months. If they were, there are rules about how many late payments you can have in the last 12 months. A lender reviewing your credit report should be able to tell you when you'll be good again. I lend in MN WI IA SD ND. Find me at FirstTimeHomeBuyer-MN.com - Cambria Mortgage, NMLS 274132

Hi Cliffordj603,How long ago was the last late payment?Was the home awarded to your ex in the divorce?There are a couple of things to consider.1) Can we get your application approved through an automated underwriting system or AUS. If the late payments on the mortgage were within the most recent 12 months, your application probably received a refer recommendation from the AUS. That means we'd have to do a manual underwrite on your loan. Some lenders have an overlay that requires no late payments in the last 12 months but that is not a VA guideline.2) If the home was awarded to your ex in the divorce, we can essentially ignore the payment history on that loan post divorce as long as the payments we on time prior to the divorce.It's worth it to get a 2nd opinion. I specialize in VA financing and would be happy to help.| John Burke | Senior Mortgage Banker | Lending in ALL 50 states |Stride Bank | jburke@stridebank.com | (877)228-9069 | NMLS# 787231 |