[daytona1]

I just received a letter today that I was denied because my "housing ratio exceeds the requirements as defined by the Home affordable mortgage plan".....

The decision was based in whole or in part on information from the (3) consumer reporting agencies.....

What does that mean?

They set up my escrows and Paid my property taxes and 2nd six months of insurance last month....neither of which were even due yet....and I didn't escrow before....