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I know they have a tough job to do but...
Right now, loan underwriters are frustrating me and this is just a vent.
DH is a commerical pilot.
Pilots have ZERO, zip, zilch, pay or benefits that are related to merit or anything resembling merit. It's all based on senority and how many years they have been with the airline, what plane they fly (EX: A 767 first officer will make a tad more than a 737 first officer), and what seat (captain or first officer) they are in.
DH used to be based out of Cincinanti. This is where all of his trips orginated from and ended. Now, and as of one year ago, he was based out of Minneapolis. All of his trips begin and end there.
The loan underwriters for our new mortgage are treating him like he just got a new job because of this switch from one hub to another (within the same company). It's so friggin' irritating. "We want a letter from his supervisor that he doesn't have a new job."
Well dingle berry...he doesn't have a supervisor in the sense that you mean it. And, he is still a first officer in the MD88. He just essentially changed office buildings if you want to look at it that way when he went from CVG to MSP!!!!!! Never mind that he has been with this company 4 years, a pilot for 12, we're doing 20% down and have above 800 credit scores! They still want a letter from his "supervisor."
I used to be a loan officer, and I fully expected the hoop jumping to affect us too, but just because I understand it doesn't mean I like it. Thanks for reading my vent!
Re: I know they have a tough job to do but...
Could someone from HR write a letter?
I once had a loan officer working with a coworker call my office continuously looking for our "hr" departments to verify employment status and salary. . We have less than 10 employees and no HR. I told her I'd have my boss/owner of company call when He was in but he was out of town on business. She wouldn't stop calling and started going crazy because I wouldn't let her speak to HR. she called every extension multiple times and was furious. It was so crazy.
Sorry for your frustrations. I understand what it is like to have a non-traditional corporate structure And have loan officers simply not understand.
So I get it. But someone must have signed off on the move though, right? That person can write the letter. Or HR is a good suggestion too.
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That's annoying.
Similar thing happened to us, FI has a side job as a respite care and he doesn't technically work for the state- he works for a family, but gets paid by the state. So there is no HR or a "boss" who was able to fill out a VOE and nobody was willing to do it because they were the "wrong" person to do it. So in the end somebody ended up writing a letter explaning the situation and how he was hired and then verifying his employment.
It was pain in the butt. Is there a way to find a reputable employee to write a letter for your husband?
Actually not technically. As pilot "seats" become available in other hubs or in other aircraft, the pilots bid (online...all based on senority and what number you are in the heap of pilots. To give you an idea, this airline has over 12,000 pilots and DH is between the middle and the bottom. As pilots move to other companies or retire, he will move up. As the company hires more pilots, he will move up.) for the new positions.
When DH moved from CVG to MSP, there were several HUNDRED pilots that also made swaps at the same time all around the country. It's not like a letter gets put in his file that he got moved by a department.
The best bet will probably be for us to get a letter from his chief pilot. This person is still just a regular pilot, but s/he takes some time away from flying regular lines to join the "management" for a short while.
It's kind of embarassing though...these cheif pilots DON'T DO this sort of thing. My DH will have to do it probably but it's a major ego blow...LOL! "Hey. Mr. Can you write me a letter so I can buy my house? I fly thousands of lives aorund every month, drive a multimillion dollar machine, make six figures, have zero debt, and have an above 800 FICO, but this bank doesn't trust me to buy a house."
I get it (another airline pilot family), but you also have to understand that in the past several years, pilots have been among the highest professions to default on loans. I was at my dad's house this Easter and it was in one of his pilot magazines (cannot remember which one though or I would refer you to it--he gets so many now that he is retired). New mortgage applicants in the airline industry are being scrutinized more heavily now because of their predecessors.
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