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Hi all,
I've received a clear to close on a FHA loan and am now waiting for a closing date...
I've waited until now to tell my current landlord, friends, etc that I'm getting a house and am wondering if its essentially "in the bag" now? Assuming I've got the money needed for closing and dont apply for additional credit, is now a safe time to "assume" I'm going to close and tell my landlord I'm moving out?
I'd also like to buy some things for the house so that I'll have them when I get the keys... I don't mean with credit, but with cash from my bank account -- separate from closing funds. Is it safe?
What are the odds that my loan would fall through this late in the game? Thanks!
Yes! The house is yours...
You still have to wait til after closing to buy any furniture etc though, so don't go out and apply for credit or loans.
Short of a natural disaster, nuclear war, or alien invasion, the house is yours.
That said...I would hold off buying anything until after closing. You don't know what might come up and while hey give you an estimate on closing costs, and while rare, it is an estimate. Your title company will give you your actual costs a few days or so before closing.
My advice...keep your money and then celebrate your closing with a shopping spree!
Congratulations!
I like to add that you're good just hold off on any new purchases until you settle. However, if the zombie apocalypse happens then you're SOL>
Actully its yours to make payments on. But the Bank owns it.
@playboy wrote:I like to add that you're good just hold off on any new purchases until you settle. However, if the zombie apocalypse happens then you're SOL>
lol