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Clear to Close! USDA Guaranteed (Michigan)

Contributor

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
Message 1 of 8
7 REPLIES
Member

Re: Clear to Close! USDA Guaranteed (Michigan)

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

Message 2 of 8
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Valued Contributor

Re: Clear to Close! USDA Guaranteed (Michigan)

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

AmexPlat(NPSL 35K) Amex BCP(26k) Chase CSP (25.9) BofA CR Siggy(15k) NFCU CLOC(15K) NFCU VS Cash(12.5K) Venture WMC(10.25k) Walmart MC(10k) BofA BBR(10k) Lowes(10K) Discover(8.5k) Chase FU(7k) Pier 1(6.5k) BB Visa(6k) Care Credit (6k) Citi Diamond(6k) J Crew(5.9k) PenFed PCR(5K) Kohls(3k) Mortgage May 2017 - 2 Penfed auto loans May 2017

FICO 8 Scores EX 682(18) EQ 672(18)TU 699(19) AAOA 3.0yrs TCL=223,550
Message 3 of 8
Moderator

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

Message 4 of 8
Frequent Contributor

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
Message 5 of 8
Contributor

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
Message 6 of 8
Frequent Contributor

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)
Message 7 of 8
Frequent Contributor

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
Message 8 of 8