cancel
Showing results for 
Search instead for 
Did you mean: 

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 | 4/4/18 714
MAJORS: Chase Slate, Amex Blue, Citi American Airlines, Gap Visa, Cap1 QS, Southwest, AQHA BOA, Discover, Chase Freedom, Citi Best Buy, Cap1 Platinum, BuyPower GM, US Bank H-D STORE Macy's, VS, Home Depot, Old Navy, Kohl's, J Crew, Venus, Care Credit, PayPal Credit LOANS Ally Auto, Prosper, American Financial Resources Home Mortgage (USDA Rural Development)
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
Highlighted
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) Chase CSP (25k) BofA BBR (18.8k) Amex BCP(18k) BofA CR Siggy (15k) NFCU CLOC (15K) Lowes (15K) NFCU VS Cash (15K) Care Credit (12k) Venture WMC (10.25k) Hilton Honors Ascend (10K) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Pier 1(9.5k) Discover(9k) Chase FU (7.4k) J Crew( 6.9k) Fidelity® Rewards Visa Signature® Card (6500) Citi Diamond (6k) PenFed PCR (5K) Kohls (3k) Mortgage May 2017 - 2 Penfed auto loans May 2017

FICO 8 Scores EX 697(19) EQ 677(22)TU 713(23) AAOA 2.9yrs TCL=272,350
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 | 4/4/18 714
MAJORS: Chase Slate, Amex Blue, Citi American Airlines, Gap Visa, Cap1 QS, Southwest, AQHA BOA, Discover, Chase Freedom, Citi Best Buy, Cap1 Platinum, BuyPower GM, US Bank H-D STORE Macy's, VS, Home Depot, Old Navy, Kohl's, J Crew, Venus, Care Credit, PayPal Credit LOANS Ally Auto, Prosper, American Financial Resources Home Mortgage (USDA Rural Development)
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