Why would a mortgage broker request documentation that a USDA request from someone who has a credit history vs someone who does no

I'm not sure what your specific question is, but I'll try and answer. USDA loans, like most Government loan programs always require an underwriter to review 24 months on income and employment history They will review your credit history, looking for evidence that you do (or do not) pay your bills on time. A credit score is not a measurement of HOW you pay your bills, but rather a risk assessment of your overall credit utilization, including if you pay your bills on time. They are also required to obtain a reasonable explanation of any derogatory information revealed during the approval process. An example of that would be to explain why a borrower filed for bankruptcy in the recent (last 7 years) past. In many cases, a requirement of proof of on-time rental history is logical, specifically if there is a major derogatory credit incident (like a bankruptcy filing). Clearly, if an individual with a Bankruptcy in their past is not paying their rent on time, it is a pretty logical assumption that there is a good chance their mortgage payments might also be paid late. In summary, A 'Great" history borrower does not get away without providing evidence of Job & Income history, evidence of an unblemished payment history and good scores indicating they are a stronger credit risk. BUT, expect that someone with major derogatory items in their past to have to prove a little harder that they are not the same credit person they were before the Bankruptcy. Finally, although a 630 middle credit score is not a bad score, four years after a bankruptcy, I would expect to see a credit score at least in the high 680s or 700's. the lower score indicates to me that HOW you are using credit is making you appear as a higher risk borrower than you might really be. For these reasons, it would be reasonable for an underwriter to ask more from you than they would for someone that has a higher score and no bankruptcy in the past. I hope this helps. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Licensed in Arizona, California, Georgia, Oregon, and Washington. Need help in other states? We got you covered. NEXA Mortgage is licensed in 46 states ~ www.ApplyYes.com 480-889-9000