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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.

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Re: 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...

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Re: 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...

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Re: 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...

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Re: 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...

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Re: 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...

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Re: 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...

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Re: 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??

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Re: 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.

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Re: Plaza Home Mortgage Anyone with experience with them?

How was your experience with them? Did you get to closing?

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Re: 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...

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almost 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....

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Re: 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

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Re: 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...

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Re: 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...

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Re: 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!!!!!

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Re: 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 :-)

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Re: 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...

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Re: 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...

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