From your LO's take it appears your chances will be pretty good. Keep in mind next Monday is President's Day and a lot of banks are closed, but it sounds like you should hear in the next few business days.
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Re: Cash out from land equity. DTI is estimated at being 36 with the new loan payment and factoring in the payoffs. My LO asked for a statement as to how important this land is to me.
I think she asked that of me to ease the concern that I'd cash out with this loan and then try to sell the land sometime in the future.
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