It's tax assessed value is 74K and I'm estimating, based on comps, that it'll appraise around 65K so the estimated LTV is around 54.
The bank I've applied with has a maximum LTV of 70. My FICO's (pulled last week) are EQ 661, TU 681 and EX 698 but that was before a couple of hard inquiries while shopping rates, so they'll probably see a few points less than that. My last 30 day late reported was in March 2009. I have two collections accounts reported that have been paid in full since 2008.
I also have a civil judgment showing up from 2006 that has also been satisfied and paid in unpaid defaults personal loans in 2008. I'll be using all of the funds to consolidate debt and will have the bank submit the payoffs so that they know that those debts have been paid in full.
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