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My Husband, the Incredibly Stubborn Man

June 11th, 2010 at 01:15 pm

Hubby and I decided to begin looking at buying a house a few months back. He is a vet and so qualifies for a VA loan. We looked at hundreds of houses, driving by them and saying "no way" and many others we looked at. We finally found one that we were willing to place a bid on. We filled reams of paperwork with the real estate agent and the lender. Many of you have bought homes, so you know about having to tell them social security numbers, addresses, debts owed and to whom, and also having to give them identification like a social security card and driver's license or the like. I recognize the reasons why they need this information and appreciate it. However, I am also cautious about who gets my personal information and why. My doctors and health insurance company don't have my ssn, for example. My hubby is very particular to the extreme about this subject. He refuses to give the lender any identification except his passport, an expired passport. This lender is questioning whether this id is valid. Not knowing much about passports, I probably would, too. Would a lender really refuse to lend us money over this?

5 Responses to “My Husband, the Incredibly Stubborn Man”

  1. PatientSaver Says:

    I hate giving away personal info like that, too, but in my case i'm guessing the cat's out of the bag by now. Still, I refuse whenever I think i can get away with it. I'm surprised you got away with it at docs' and health insurance companies. You usually get one of those "by the book" people who just insists or says you can't see the doctor or something like that.

  2. MonkeyMama Says:

    I am ultra careful too (People seem to respect my refusal to share such info, these days more than in the past. A doctors office is one place where I would 100% refuse to share my SS#).

    That said, lenders will check your credit and tax information. There is no way around it. They have to have all that personal info to check your credit. Of course a lender would refuse to lend to someone if they couldn't check their credit.

  3. crazyliblady Says:

    Oh, they checked our credit and said it was great. We were all good on that, but that an expired passport was not good enough.

  4. crazyliblady Says:

    Later, he had me take his id to the realtor's office for her to copy and fax to the lender. I am not sure how to feel about this. I am not sure I want to go into this situation with him unhappy. He is sometimes a little in mood.

  5. dmontngrey Says:

    The previous version of the I-9 accepted an expired passport as proof of identity and employment eligibility. I see that the current version of the I-9 doesn't specifically address expired passports. I would still ask them why it's acceptable as proof of identity to employers, but not to lenders.

    They can refuse to lend you money for ANY reason. This reason would be rather stupid.

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