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Closed.

tag
webhopper
Moderator Emeritus

Re: Closed.

Good news congrats on your new home! I am super happy for you!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 11 of 19
qtcbcute
Contributor

Re: Closed.

Congratulations to you!!!!


Starting Score: ?
Current Score: ?
Goal Score: 720


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Message 12 of 19
Bell536
Contributor

Re: Closed.

CONGRATULATIONS!!!!  I'm so happy for you!!!  

Let us know all the details once things settle down.  Enjoy your new home and may it be blessed for many many years to come!

Clean up CR for home purchase.Started on 04/16/2013.
04/16/13 EQ 536,TU 537,EXP 552 Lender pull
04/30/13 EQ 602 MYFico.com 05/12/13 EQ 614 / TU 595 MYFico.com
05/18/13 EQ 625 MYFico.com,614TU 5/28 EQ 625 Mid Score 621 TU
05/31/13 EQ 663 MyFico!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Message 13 of 19
playboy
Regular Contributor

Re: Closed.

Congrats girl you deserve it.


Starting Score: EX 575/TU 534/EQ 570
Current Scores per Myfico: (As of 12-14-13) EX 690/EQ 685/TU 679
Goal Score: 720


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Message 14 of 19
jordanmedical
Established Contributor

Re: Closed.

Thanks guys!!

 

Mike, the closing ordeal or the whole mortgage process?

 

As for the closing, I grabbed the extra money they asked for and drove to the closing. I met my lawyer there (thank god for pre paid legal) and he reviewed each doc before I signed it. The closing agent went over all the numbers and I signed what had to be hundreds of papers Smiley Happy.

Because my lawyer reviewed every thing before I signed I was able to get it all done in a little under 2 hours. After signing everything, may lawyer left and they had me wait in the conference room while they scanned all my signed docs and place them on a CD (also allowing the lenders' wired funds to show I believe she mentioned). About 20 minutes or so later, they came back with my packet of papers (on CD), the extra docs my lawyer said they needed to provide me, my keys and my gate remotes. They also provided me with some surveys to fill out there and some to fill out later then they sent me on my way.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Message 15 of 19
Mike_B03
Valued Contributor

Re: Closed.

Sounds like quite the process! I've never experienced it but hopefully soon enough.

 

What about the mortgage process? Any interesting stories there or was it pretty smooth sailing?

Message 16 of 19
In-A-Limbo
Valued Member

Re: Closed.

Congrats.

Message 17 of 19
wpbguy
Valued Member

Re: Closed.


@tooleman694 wrote:

There is a god!!

 

Congrats


+1

Have fun moving! I will be right there with you next week Smiley Happy


Starting Score: EQ 612 (CU Lender Pull) 03-2012
Current Score: EQ 679 TU 697 (Lender Pull) EX 668 (Lender Pull)
Goal: Reach the 700+ Club!!!


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Message 18 of 19
jordanmedical
Established Contributor

Re: Closed.

The mortgage process was a stressful nightmare due to my LO and the UW to a lesser extent.

 

As far as the UW went, she asked for some off the wall things like proof a collection that was removed from my report was paid or proof that a fraudulent acct removed was actually found fraudulent by the company and removed by them. The worst part was her asking for more and more conditions last minute that could have been asked for upfront. She even sent my file to quality assurance because she thought I some how manipulated my scores when they were going up.

 

My LO would ask for the same things over and over, he had a bit of a temper at times, and was not well informed about credit improvement. He also would forget to ask me for things and I felt like I had to work harder then him in the whole process.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 19 of 19
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