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  • My husband and I have excellent credit, but we had some complications getting approved for a new loan after we had an offer for the purchase of our current home. We have some parent loans for our kids' college tuition which will be paid off by our kids. I am moving out of the country for my job, so my income could not be included on the VA loan we wanted. Without my income, our debt to income ratio was a little high. Well, yeah! A large chunk of our income is being excluded! We went with lender 1 who said we could not be approved till we sold our house. Lender 2 said we'd be approved, but then they did not know how to do a VA loan and were having us do the legwork for them. They were not very knowledgable! Lender 3 was fine, but would not return e-mails and calls. Then they went on vacation too. Ugh. I went online and googled lenders. We found Marc Trejo. It was a long shot, but I called and talked to him. I told him we were in a time crunch. We found a house we loved, and we wanted to make an offer before someone else did. Marc had us approved in less than 24 hours or the same day, can't remember. When we decided to switch to conventional, since we had 20% down, he was able to change the info and pre approval for us very quickly. He answered all e-mails in a timely manner. We appreciated his help. When we purchased our first two homes 22 and 15 years ago, it was easy. This time around working with lenders was very difficult till we got Marc. For people with excellent credit, it should be easy. We did have some complications, but Marc helped us work around things. He is definitely an efficient worker. My kind of guy! I like getting things done asap, so we will work with him again if and when we buy another home.
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