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If the loan is done with the same lender the process should be a little quicker this time - as your income/credit/assets have already been reviewed. All that would need to be reviewed again is anything that has expired (income/assets are good for 30 days, credit for 120 days) as well as the new purchase agreement, new title report, new appraisal, and new homeowners insurance. Probably could get the process down to 1.5-2 weeks.
KV-Boo wrote:We were supposed to close this past 28th on a house but that was pushed back 2 weeks. We got a call Saturday night from our realator saying the seller no longer wants to sell the house to us since we didn't close on the 28th(he feels that were just buying time and we won't be getting the loan and he'd rather just keep the property). He never signed the extension to close form sent to him. Our realator has called his agent twice and they refuse to call/email back.Our loan officer even sent an email saying we would be able to close by the 11th of April to the sellers agent.Here's my question If this deal does fall through and we find another house would we have to go through the whole loan process again or can they just use the info from before just with a new contract if the new house is for the same price/deal? Would it be quicker the 2nd time or would it still take the 30-45 days as it has now?UPDATE - The seller denied our extension for the 2nd time so we went ahead and signed/forwarded the deposit release form. Off to find another house.