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Posts: 175
Registered: ‎04-17-2014

Clear to Close! USDA Guaranteed (Michigan)

Wahoo! After 5 years of caring about my credit and 2.5 years of hardcore grinding, a big goal will be accomplished this week! I'm buying my first home!

 

Got the clear to close, closing scheduled this week!

 

MICHIGAN - USDA Guaranteed Rural Housing Loan Program 3.75% Fixed

 

Offer Accepted to Closing = 53 days. 


12/23/14: 536 | 11/8/16 680
MAJORS: $4.5K Gap Visa, $4K Cap1 QS, $3K Southwest, $2.5K BOA, $2.5K Discover, $1K Chase Freedom, $750 Citi Best Buy, $500 Cap1 Platinum, $500 BuyPower GM, $300 US Bank H-D STORE $1K Macy's, $2K VS, $600 Home Depot, $300 Old Navy, $250 Kohl's, J Crew, Venus $1,800 Care Credit LOANS $10K Ally Auto
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Registered: ‎03-08-2017
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Re: Clear to Close! USDA Guaranteed (Michigan)

Congrats! Waiting on mine and hoping it comes this week as well!

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Posts: 1,284
Registered: ‎01-19-2015
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Re: Clear to Close! USDA Guaranteed (Michigan)

Congratulations!! Enjoy your new home..don't stop caring about your credit!!Smiley Happy

AmexPlat(NPSL) Amex BCP(26k) BofA CR Siggy(15k) NFCU CLOC(15K) AmexOpt (13.1k AU) NFCU VS Cash(12.5K) Venture WMC(10.25k) Walmart(10k) BofA BBR(10k) Lowes(10K) Discover(8.5k) Chase FU(7k) Pier 1(6.5k) BB Visa(6k) Care Credit (6k) J Crew(5.6k) Citi Diamond(5.5k) Barclaycard(5k) PenFed PCR(5K) Kohls(3k) Mortgage May 2017 - 2 Penfed auto loans May 2017

FICO 8 Scores EX 722(15) EQ 688(17)TU 717(18) AAOA 3.0yrs TCL=179,950
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Re: Clear to Close! USDA Guaranteed (Michigan)


mamatried wrote:

Wahoo! After 5 years of caring about my credit and 2.5 years of hardcore grinding, a big goal will be accomplished this week! I'm buying my first home!

 

Got the clear to close, closing scheduled this week!

 

MICHIGAN - USDA Guaranteed Rural Housing Loan Program 3.75% Fixed

 

Offer Accepted to Closing = 53 days. 


Wow! Congratulations!

 

Time to celebrate!  https://www.youtube.com/watch?v=3GwjfUFyY6M

Frequent Contributor
Posts: 320
Registered: ‎05-19-2014
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Re: Clear to Close! USDA Guaranteed (Michigan)

Congratulations!

 

I'm in Michigan too, and right behind you ... I'm hoping to close by 4/12 (waiting for condo construction to complete and certificate of occupancy issued).

 

How long was your file at RD?  Do you know?  Mine's there right now, loan officer assures me everything is fine, but I wish I'd hear it had been returned back to lender with approval.

March 2014: Abysmal, low 500s

April 2015: TU 607 | EQ 599 | EX 608
April 2017: TU 662 | EQ 673| EX 694
Contributor
Posts: 175
Registered: ‎04-17-2014
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Re: Clear to Close! USDA Guaranteed (Michigan)

It was first sent Mar 7 and we had a few requests and had to resubmit a couple times. Clear to close came Mar 17. Each time the USDA had it, it took them about 2 business days.

12/23/14: 536 | 11/8/16 680
MAJORS: $4.5K Gap Visa, $4K Cap1 QS, $3K Southwest, $2.5K BOA, $2.5K Discover, $1K Chase Freedom, $750 Citi Best Buy, $500 Cap1 Platinum, $500 BuyPower GM, $300 US Bank H-D STORE $1K Macy's, $2K VS, $600 Home Depot, $300 Old Navy, $250 Kohl's, J Crew, Venus $1,800 Care Credit LOANS $10K Ally Auto
Frequent Contributor
Posts: 285
Registered: ‎07-20-2014
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Re: Clear to Close! USDA Guaranteed (Michigan)

Congratulations!! I know you must be excited.

Current - FICO 8/2017: EX(764); EQ(742); TU(710)
Beginning - FICO 7/2014: EX(630); EQ(608); TU(581)
Current Mortgage FICO - EX(739); EQ(730); TU(707)
Credit: Wells Fargo Home Projects Charge Card ($7,800); Wells Fargo Home Rebate Visa ($4,000); Capital One Quicksilver ($6,000); Capital One Venture ($5,500); Discover it ($3,600); Macy's ($20,000); BrandsMart ($4,000); Banana Republic ($1,200); Lowes ($12,000); Amex Everyday ($27,000); Macy's Amex ($14,000); Amex Platinum (NPSL); Citi Diamond Preferred ($9,000); Chase Freedom ($9,000)
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Posts: 320
Registered: ‎05-19-2014
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Re: Clear to Close! USDA Guaranteed (Michigan)


mamatried wrote:
It was first sent Mar 7 and we had a few requests and had to resubmit a couple times. Clear to close came Mar 17. Each time the USDA had it, it took them about 2 business days.

Thanks for the info!

March 2014: Abysmal, low 500s

April 2015: TU 607 | EQ 599 | EX 608
April 2017: TU 662 | EQ 673| EX 694

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