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Any July closers out there??

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aerosarcasm
Member

Re: Any July closers out there??

Not closing this month, but getting our first movement on our new construction....PRE-CONSTRUCTION MEETING!! 7/22 CAN'T WAIT!


Starting Score: 680
Current Score: 727
Goal Score: 800
Message 61 of 73
206captain
Valued Member

Re: Any July closers out there??

 

  • Type of Loan: 30 Yr Fixed USDA
  • Loan Rate: 4.50%
  • Loan Application submitted:  6/4/2013
  • Pre-approval issued: 6/10/2013
  • Purchase Price:  $139,500
  • Property: SFH - 1764 sq ft 
  • Submitted Offer on: 6/18/2013
  • Signed Purchased Contract on : 6/19/2013
  • Inspections Performed: 6/25/2013
  • Appraisal Ordered: 6/26/2013
  • Appraisal Completed: 6/28/2013
  • Loan Approved w/Conditions: 7/3/2013
  • Final Approval: 7/4/2013
  • File submitted to USDA: 7/8/2013
  • USDA Conditional Commitment: 7/18/2013
  • Closing Date: 7/30/2013

As you can see, things are moving along extremely quickly with minimal waiting time between steps.  I am now nearly 2 weeks away from closing and got my CTC today with the only possible final step of re-verifying employment just before closing.  Per my LO, all that's left to do now is count the days!

Message 62 of 73
txvet2013
New Visitor

Re: Any July closers out there??

  • Type of Loan: 30 Yr Fixed TX VET
  • Loan Rate: 3.0%
  • Loan Application submitted:  6/6/2013
  • Pre-approval issued: 6/6/2013
  • Purchase Price:  $169,000
  • Property: SFH - 2215 sq ft 
  • Submitted Offer on: 6/14/2013
  • Signed Purchased Contract on : 6/16/2013
  • Inspections Performed: 6/19/2013
  • Appraisal Ordered: 6/26/2013
  • Appraisal Completed:7/3/2013
  • Loan Approved w/Conditions:
  • Final Approval: 7/19/2013
  • File submitted to USDA:
  • USDA Conditional Commitment:
  • Closing Date: 7/23/2013
Message 63 of 73
Hevj1119
Regular Contributor

Re: Any July closers out there??

We closed on the 19th!! Smiley Happy 4.25% 30 year fixed USDA..
Message 64 of 73
dmbtay
Regular Contributor

Re: Any July closers out there??

process continues...we FINALLY got our final approval this morning.  We are supposed to sign by tomorrow, keys wednesday to close.  We hadnt been told anything until today...now the LP & LO are giving us conflicting timelines on when the paperwork was finalized and we can sign.  We still havent funded escrow and it all needs to happen in 24 hours...crazy.

Message 65 of 73
Southtexasgirl71
New Member

Re: Any July closers out there??

30 July!
Message 66 of 73
Southtexasgirl71
New Member

Re: Any July closers out there??

We received full approval from the VA back on the 16th. I logged in today to see that my TU had taken a ten point hit (no clue as to why when there are no balances and no new credit inquiries). Will the VA or LO pull the credit again and will this hurt me? My mid range is still 29 points above where it HAS to be. Thanks for any help!
Message 67 of 73
tdrjustus3
Regular Contributor

Re: Any July closers out there??

One final condition received and returned 7/22.  Received call today from Kroll Factual Data to update some information.  Is that normal? Hopefully we will have a CTC tomorrow with a closing date.



No apps until 8/2014
March 2013 Starting FICO Score: EQ: 584 TU: 564 EX: ??
August 2013 Current FICO Scores: EQ:664 EX:684 Walmart TU: 666
Message 68 of 73
rubaty
Frequent Contributor

Re: Any July closers out there??

Got final approval today! Should go sign the paperwork and get our keys by Friday.


Current Score: EX 772 EQ 777 TU 783 15 Jan 17
Goal Score: 815 across the board by Jan 18


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Message 69 of 73
Db366
Established Member

Re: Any July closers out there??

 

  • Type of Loan: 30 Yr Fixed USDA
  • Loan Rate: 4.125%
  • Loan Application submitted:  4/22/13
  • Purchase Price:  $167,900
  • Property: SFH - 2973 sqft
  • Signed Purchased Contract on : 4/20/13
  • Inspections Performed: 6/25/2013
  • Appraisal Completed: 6/25/2013
  • File submitted to USDA: 7/9/2013
  • USDA Conditional Commitment: 7/24/2013
  • Closing Date: 7/30/2013
Message 70 of 73
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