Everything was like a dream come true until we got to the closing day. We told the sales rep everything about our income although she made some adjustments to get us prequalified.
To our surprise, the miscalculations she made to our income screwed us in the end. The time and heart ache that we invested was incredibly disappointing. Just as an FYI to other first time home buyers, make sure you get the FULL income requirements before you even run your credit with them. We met the credit score requirements (640 or higher) to qualify for the first time home buyer program, but went barely over the income requirements.
It was a huge let down. I recommend everyone to get prequalified with guild mortgage BEFORE wasting your time with a sales rep
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