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Valued Contributor
Posts: 2,385
Registered: ‎03-03-2008

Re: Post Mortgage Apps Advice Please

I wouldn't worry about the pre-qual.  I tried it for many years while gun shy of HP's and then finally said screw it and cold apped after getting my Discover approval a couple of days before.  Instant approval for BCE @ $10K.  So, muster up the courage and pull the trigger if it's something you want but don't get that warm and fuzzy pre-qual on.

If you're going to whine about it, then you need to do something about it!
If you play the odds on CC's then the rules of Vegas will come into play and the House always wins and you don't own the House
http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538 http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-helpful-links/m-p/4802617 www.depositaccounts.com go under checking / reward checking https://refer.discover.com/s/uya7c https://www.creditscorecard.com/registration
Frequent Contributor
Posts: 352
Registered: ‎09-30-2016

Re: Post Mortgage Apps Advice Please

Clear to Close received yesterday.  LO said SP was done and we are good to go.

 

I'm chomping at the bit to get that CLI from BofA and apply for BCE.  

 

Still wait till AFTER funding of loan?  Or should I trust they aren't gonna SP me again?

In second year post 13 DC (12-28-15)
Entered garden 05-19-2017 CLOSED ON MY NEW HOUSE 5/17/17!!!!

Current Scores FICO 5/4/2: TU738 EQ732 EX697 Updated: May 17, 2017
Goal: 700's across the board! SO CLOSE!
Valued Contributor
Posts: 2,385
Registered: ‎03-03-2008

Re: Post Mortgage Apps Advice Please

Never do anything after you apply until you have the keys in your hand.

If you're going to whine about it, then you need to do something about it!
If you play the odds on CC's then the rules of Vegas will come into play and the House always wins and you don't own the House
http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538 http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-helpful-links/m-p/4802617 www.depositaccounts.com go under checking / reward checking https://refer.discover.com/s/uya7c https://www.creditscorecard.com/registration
Established Contributor
Posts: 631
Registered: ‎01-20-2016

Re: Post Mortgage Apps Advice Please


austinguy907 wrote:

Never do anything after you apply until you have the keys in your hand.


This ... when I closed I even waited a couple extra days, just to be safe. 

 

Congrats Junie! 

Established Contributor
Posts: 510
Registered: ‎01-15-2017

Re: Post Mortgage Apps Advice Please

[ Edited ]

I have seen loans cancelled at the closing table because lender did a last minute pull that day and saw a new card or credit card.

Frequent Contributor
Posts: 352
Registered: ‎09-30-2016
0

Re: Post Mortgage Apps Advice Please


Backwoods wrote:

I have seen loans cancelled at the closing table because lender did a last minute pull that day and saw a new card or credit card.


Yes well aware.  I was just going off what the LO told me is that there would be no more SP's; that they were done and its CTC.  I figure heck they may have alerts set up!  My jets are cooled until afterwards.  That BofA increase credit line link needs to just disappear.  Smiley Happy  Its driving me crazy.

In second year post 13 DC (12-28-15)
Entered garden 05-19-2017 CLOSED ON MY NEW HOUSE 5/17/17!!!!

Current Scores FICO 5/4/2: TU738 EQ732 EX697 Updated: May 17, 2017
Goal: 700's across the board! SO CLOSE!
Frequent Contributor
Posts: 352
Registered: ‎09-30-2016

Re: Post Mortgage Apps Advice Please

Closed and funded Wednesday.

 

Applied for AmexBCE this morning.  Approved for $10K

I also put in for a CLI with BofA, but pending decision.

 

Off to the garden I go!!!

In second year post 13 DC (12-28-15)
Entered garden 05-19-2017 CLOSED ON MY NEW HOUSE 5/17/17!!!!

Current Scores FICO 5/4/2: TU738 EQ732 EX697 Updated: May 17, 2017
Goal: 700's across the board! SO CLOSE!
Highlighted
Established Contributor
Posts: 631
Registered: ‎01-20-2016

Re: Post Mortgage Apps Advice Please

[ Edited ]

Congrats on closing! and on the BCE SL!  It's a great feeling! 

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