BG
Already has a great 800 plus FICO score and is paying close to $100K toward personal debt every year. This person has demostrated character and capacity well beyond the norm. This is not a person who grew up with a silver spoon and was destined to attend Ivy League institions> This is person who grew up where they dump the bodies in NY. This is not a person looking for handouts, it is a person who is a very low credit risk but requires access to different loan programs because of what it took them to become such a low credit risk. Good underwriting should be able to adjust for that. I dont expect you to understand that.
