Hello!
So my LO stated i might be good to go by Next week.. thats a very generic statement but ill take it in a positive light that he means to close but i feel so lost about the process even with all of my research the end process has me boggled.. i just hired lawyer yesturday for closing services, yet i still dont have an EXACT close date (contract says 8/8 ONLY because Fannie mae automatically puts 45 days.. but i was well into the process before i put an offer in on the house because of my shaky well previously shaky credit)
Well im not sure what the lawyer does- besides title search?im not sure exactly where in the process i am ... i had an appraisal come back ok, i submitted insurance info.. what other steps are needed? i did my electronic employer verification BUT they cant actually complete that step until we are within a few days of closing so now i feel like im missing something. I dont know exact closing costs i dont know anything.. my lender is FGMC first guaranty.. my LO has been good but he doesnt give me the breakdown like myfico so i still feel lost with where im at in the process i guess... anyone deal with them or have any insight .. oh to add more complication its a 203k loan.. so i submitted my contractor package and i guess that has to be approved too... i am breaking out due to stress , mentally exhausted - i havent packed i havent even told the owner of this house im moving because of the horror stories that i read on this site im afraid something will fall through.. i am already approved through underwriting for credit/income portion- but this was before i even had a home chosen so i my 90 day credit pull expired 7/11 and when they repulled my scores jumped by 40 points for the mid score so i guess my credit is no longer an issue but im sure something else could go wrong :/
sorry im kinda venting
Oh Shane you are my Myfico BFF in my head lol 
you always come through when i need.
Thats my feeling on FGMC they are ridiculous with the LOEs .. letter after letter about the same things!!! its annoying but i hear they get the job done. I started with them when i was sub 640 but now my mid score is 670 so i could have had more options but ive already put in so much work. Anywho.. i am in CT but i thought i could Fannie Mae (REO property) lawyer and i thought they would pay for closing costs *(fannie mae) but their lawyer said they wouldnt or couldnt .. although its clear as day in the contract. My lawyer is working with FGMC - my agent is just kinda there.. i felt like i knew the process so well but nothing is going how everyones elses goes on this forumn. so i am even more confused.. i try to get a breakdown of where im at but i get one of those "were moving along" emails.. i guess this is just more of a vent IDK mortgage committment due tommorrow (again i applied 4/11) and i still dont have it!! Closing should be 8/8 but i was told we could close way earlier.. well doesnt look like thats happening 