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Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Closed.

Good news congrats on your new home! I am super happy for you!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Contributor
qtcbcute
Posts: 97
Registered: ‎06-28-2008
0

Re: Closed.

Congratulations to you!!!!


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Current Score: ?
Goal Score: 720


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Contributor
Bell536
Posts: 100
Registered: ‎04-17-2013
0

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!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Regular Contributor
playboy
Posts: 208
Registered: ‎04-15-2009
0

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
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Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
0

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 :smileyhappy:.

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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Valued Contributor
Mike_B03
Posts: 1,141
Registered: ‎11-30-2012
0

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?

Valued Member
In-A-Limbo
Posts: 130
Registered: ‎02-15-2012
0

Re: Closed.

Congrats.

Valued Member
wpbguy
Posts: 46
Registered: ‎02-12-2013
0

Re: Closed.


tooleman694 wrote:

There is a god!!

 

Congrats


+1

Have fun moving! I will be right there with you next week :smileyhappy:


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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Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
0

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

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