Am I in the clear?

[Anonymous]

Received notification this afternoon that my file had received final approval from underwriting (no conditions) and that the closing instructions had been sent over to the title company. Am I in the clear? Is there anything else at this point that could derail the loan? I was shocked that there were no conditions!

[kc0039]

That just means you have a good loan officer that understood his paperwork. The only things that can derail this loan now is if title company found a lien that recently popped up. Not your fault, but that's the only thing I foresee that can derail the loan. Someone losing their job, someone dying, etc

[Anonymous]

Ok, note to self... don't die and don't fire myself (self employed) 

[accidentalpancake]

That's certainly positive, but there's one thing to keep in mind with mortgages:

You are in the clear when you have the keys, are living in the home, and have confirmation of funding. 

Until those things occur, you are not in the clear.

[Anonymous]

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@Anonymous wrote:

Ok, note to self... don't die and don't fire myself (self employed) 

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Haahahaha... They do give us - "the self employed" hard time when it comes to a mortgage.  Looking good and can't wait for you to have the key in hand.  Almost there...

[DallasLoanGuy]

congrats

[StartingOver10]

Congrats!  I bet you are happy now...no more worries

[Anonymous]

Thanks everyone! Fingers crossed this time next week we will have keys in hand!

[accidentalpancake]

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@Anonymous wrote:

Thanks everyone! Fingers crossed this time next week we will have keys in hand!

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Even when you know you're all set, buying a home is the most stressful scenario possible, imo.

Congrats!