Re: Making an offer. 2 Quick questions (Urgent!!)
Of couse not knowing the market .. I would think you'd be OK. We offered $9K below asking (knowing full well we were prepared to pay full asking if we had to) and ended up agreeing at $7K below asking.
View ArticleRe: CLEAR TO CLOSE!!!!!!!!!!!!!
That's awesome!! Congrats! I know you have been waiting for a long time. I'm hoping we'll get our approval with conditions back today (we're on business day 9 of it being sent to the UW).
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Re: Would I qualify for FHA?
I agree .. You should be fine. The biggest thing in your favor is it is in the same industry. My husband had the same thing, but luckily by the time we applied for our loan he had just hit his 2 year...
View ArticleRe: Waiting (not too patiently) for underwriting ...
Getting very anxious now .. as if I wasn't from the start of all of this .. Ha! Spoke with our broker this morning and he had word from the lender that they would have our answer by today. I've been on...
View ArticleRe: Will adding Husband as authorized user raise his score for USDA Loan?
We did this ... My husband added me as an AU on his credit card accounts in order to help my score. It did a major boost for me since he had a few with almost 10 years of clean payment history. So I...
View ArticleRe: Most relaxed loan process? CU?
We have been working with a broker .. and he is awesome. He is very thorough and had us provide any and all paperwork to him to get our file ready. Between him and his loan processor they got our file...
View ArticleRe: I'm so stressed!
@Watching - The same thing just happened to us. Our broker explained to me (after I called him in a panic - HA!) that it was just a "re-issue" of the first report ran .. it was not a "new" pull even...
View ArticleRe: I'm so stressed!
I completely understand the frustration. Our contract date was set for June 1st, but I just don't see that happening. We heard last night that our loan was approved by the UW, but b/c we already have a...
View ArticleRe: Various forms of FICO is frustrating!
I'm sorry .. but I don't know that I understand why you're so frustrated. Your scores are well above what lenders are looking for ... maybe I missed something??
View ArticleRe: Clear to close, but...
I would try to get it removed ASAP. I only say that b/c we personally ran into a very similar issue and the lender did do a final credit pull just before closing.
View ArticleRe: Plaza Home Mortgage Anyone with experience with them?
How was your experience with them? Did you get to closing?
View ArticleRe: Ballpark, how long is a file in UW?
We were told the lender ours was submitted to was ata 48 hour turnaround ... however .. we just rec'd our approval w/ conditions today (10 business days later). There are a lot of conditions, but most...
View Articlealmost there ..... i hope!!
This has been such a process .. but I think we are almost to the end!! We rec'd our approval on Tuesday from the UW showing our conditions had all been cleared and notice that she was sending for QC....
View ArticleRe: almost there ..... i hope!!
We got our "clear to close" this afternoon!!! YAY!!! Title company has been notified and should hopefully be closing early next week :-D
View ArticleRe: almost there ..... i hope!!
Thanks Booner72!! It was a very long weekend. We did go do our final walk of the house ... so it was nice to see it all empty & ready for us to move in :-D Our agent told us to expect a call today...
View ArticleRe: almost there ..... i hope!!
I don't know how it happens with all lenders ... but apparently how ours worked ... MB submitted our file to the lender after getting automated approvalUW reviewed, requetsed appraisals, placed...
View ArticleRe: almost there ..... i hope!!
We are closing tomorrow afternoon!! Super excited :-) We got the call this afternoon that docs were at title company & we set our appt time!!!!!
View ArticleRe: almost there ..... i hope!!
WE CLOSED!!!!!! Oh my goodness we CLOSED!!!!!This BEST part of today? Seeing my 2 big kids faces when they saw the house for the first time & they ran all over it & picked out their rooms :-)
View ArticleRe: In Underwriting
It's all worth it!! We Pur our offer in on our house in April and closed early July. Things got a little scary for a bit, but we made it!! We had a wonderful MB that got us thru the process :-D Our...
View ArticleRe: Pay Day Loan Collection
My husband rec'd a call today saying the same thing. That they were going to send me to the county for check fraud. They gave all of my information (personal & about the debt) to my husband. They...
View ArticleNeed Some Help ...
Hello .. I have been reading the boards for awhile now but have never posted. I'm looking for some advice/help on a few items I just can't seem to get to shake off my reports. Applied Bank* EX only...
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Re: Need Some Help ...
Well, to be honest I just paid the settlement offer from them in April (just last month). I hadn't thought about GWing them .. that's a good idea. I was just going off what their very rude customer...
View ArticleRe: Need Some Help ...
Robert - I'm not sure I can answer that question. I had done my initial online round of disputes with all 3 CRAs, and as an outcome of my online dispute TU and EQ dropped that account, but EX is still...
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Waiting (not too patiently) for underwriting ...
I have been reading everyone's posts and appreciate everyone sharing their stories ... Our file went to the underwriter on Monday (5/7) after we worked with our broker to get everything together and we...
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Re: Home Inspection: What should the seller fix?
I have to agree with the others .. ask for it and the worst they can say is "NO". We asked for almost everything the inspector found .. knowing in our own minds what the "deal breakers" were .. to our...
View ArticleRe: I'm so stressed!
That's awesome!! Congrats! We are anxiously waiting to hear back from underwriting on what our approval/conditions will be ....
View ArticleRe: I'm so stressed!
Do you mind me asking what types of conditions they gave you? If you don't want to put your business out here I completely understand.
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Re: Does Everyone Go to Manual Underwriting?
I would be interested in input on this as well. From what I understand - how it has been explained to me is if you receive an "automated loan approval" then an underwriter will review your file just to...
View ArticleRe: Waiting (not too patiently) for underwriting ...
So true about it being out of your control. I talked with our broker this afternoon .. he checked the status of the loan online with the lender and confirmed that it is still "in queue" for the...
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Re: lets put some fun back into home buying!!!!
We have been at this home buying thing for about a little over a year now ... when it happens (because it will - ha!) ... after i cry like a baby that it's all finally over I told my husband that we...
View ArticleRe: Applied Bank
I had to deal with them and they would not do a PFD unless I paid the entire balance. They would not negoitate with me on a settlement for almost 6 months and when they did it was still over 50% of the...
View ArticleRe: Waiting (not too patiently) for underwriting ...
Well ... another call into the broker today during lunch (per his request) .. and nothing new to report. The lender still shows our file "in queue" for the UW. He did give me words of encouragement ......
View ArticleRe: Applied Bank
dbslove - No i never did get them to agree to a PFD. The only thing they would do is make a "settlement offer" which was over 50% of the amount they said was due - saying that if I paid that amount...
View ArticleQuestion about SOL on medical collection (Texas)
I have a question about medical collection showing on my CR. How do you know when it will "drop off"? Based on the information below when would/should this one "drop off"? I have one that shows:Date...
View ArticleRe: Question about SOL on medical collection (Texas)
Thanks! Yes, you nailed it. That is what I was asking. Sorry - still new to all of this and trying to get all the words right. Haha!!
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