-William Platt - Owner of The Vault & The Bank (Confirmed)-Byron Ellis Raines (Confirmed)-Marvin Fox (Confirmed)-Freddie Jones II (Confirmed)-Michael Barney -Wendell Olden (Claims just being used, not part of Fraud and might be one of their "Straw Buyers" for his good Credit)-DeKalb Notary - Frank Brake III (Confirmed)-Jeff Deville - Lender Broker with Will Platt and Bryon Ellis (definitely aware, I have directly informed him of the fraud these guys are/have committed yet he still continues to work with them to push loans through, so unsure of his actual role or knowledge or the lack there of with the rest of this mortgage fraud group)-More names coming...PLEASE SHARE THIS POST OR TAG ANYONE HANDLING LOANS IN METRO ATLANTA THAT YOU MIGHT NEED TO SAVE FROM THESE GUYS!!

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

TIAIf you have an electronic record (bank statement, credit card, accounting software, etc) of the transaction the IRS doesn't require you to keep receipts unless it's a cash (took real paper money out of your pocket) transaction for $75 or more.

Do you have crappy credit or something? 

Quote from @Dj Hume: Hi @Nathan Frost,I’ll preface that I don’t encourage going into any inspection to request credits, it usually means your offer is overpriced.

Is the lender a bank/credit union or hard/private money?

The Fed’s moves often ripple through credit markets, and the jump in the 10Y yield has definitely hurt affordability.

These can be further broken down into lender closing costs and third party closing costs.Thelender closing costs can include underwriting fee, processing fee, funding fee, origination fee, credit report fee, and tax service fee among others.

They will run your credit anyway later, but the bank can give you some estimates with the credit score.

I can use other peoples money, lines of credit or other ways to fund the downpayment.