I would have thought SmartMove as an arm of TransUnion would have caught this, but was just informed by their customer service that they only do a check based on name and where previously lived, NOT by social security number.

I was able to argue that similar to foreclosures not being considered an "arms length" transaction (a whole conversation in itself) and thus wasn't representative of the true market value, this owner paid too much money unknowingly and shouldn't be additionally penalized.So, you could request lower on the purchase price but you would have to be explaining to the committee how you screwed up when you bought...did a waterline burst and you didn't have insurance, the hoodlums broke in and trashed the place after purchase, etc. 

I recently refinanced my single family home from an VA ARM to a 30yr fixed VA loan @ 3.38%.

Armed with an idea of what the house now looks like and the additional structure, I had my call this morning.

There's no limit to the excuses we can make.Are you a 5-foot-tall black man born without arms in South Carolina?

@Pete Mathias there are now 3 city departments armed with making life miserable for landlords all under the notion that they are looking out for tenants.

Second property is the one we just paid off and we were under an ARM which wasn't bad but about every two years it was being sold to a new company and each company was very different in terms of customer service.3.)  

Do you have some type of ARM on it?

They can not only cost you an arm and a leg if you follow their standard pay off schedules, but they can seriously undermine your loan approval chances with a lender.If your debt is tied to a fixed mortgage, I wouldn't worry about it as much as long as your overall DTI is low & payments are easily made.

I would love to reach out to the owner directly via a letter and offer but i wanted to be sure that I do it carefully and armed with all the correct advice to do it properly!