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New Contributor
BCullum
Posts: 157
Registered: ‎01-09-2013

Conditional Approval!

Got my conditional approval yesterday, and after fretting cash deposits... Non of the conditions involved deposits. Everything is super easy, a letter from my works accountant stating i have no stake in company (family business), my wifes work contract (just graduated going into nursing field early feb), newest bank statement, All initial disclosures signed, and name of our potential home owners insurer. 

I was scared they would come back with a crap ton of conditions, and although I know others might pop up I feel infinitly better about our chances at closing on time. Just thought id share my joy (maybe temporary). 

Lender Pull EQ 745 EX 734 TU 722
Valued Contributor
JM-AM
Posts: 3,303
Registered: ‎06-09-2010

Re: Conditional Approval!

Stay positive...

 

So far so good, and lets keep a positive tone that its going to stay that way.

 

Good Luck...

Good Luck
May all your dreams and wishes become a reality!
New Contributor
BCullum
Posts: 157
Registered: ‎01-09-2013

Re: Conditional Approval!

I am staying positive, just hard to be "Mr. Rodgers" about everything when all the doom and gloom pops up when googling. But im finally getting excited.

Lender Pull EQ 745 EX 734 TU 722
New Contributor
BCullum
Posts: 157
Registered: ‎01-09-2013

Re: Conditional Approval!

also found out today that my one negative that was left on my TU report finally dropped off after disputing it for the last few months. Bringing my mid score up 30+ points. LO says he is going to run a hypothetical scenario to see if he can get me a better rate to see if its worth another credit pull in the first of feb. My mid score went from a 699-734.

Lender Pull EQ 745 EX 734 TU 722
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Conditional Approval!

Wow! Congrats first and foremost on the house and congrats on your huge score improvement. Almost there! :-) definitely time to get excited.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: Conditional Approval!


BCullum wrote:

I am staying positive, just hard to be "Mr. Rodgers" about everything when all the doom and gloom pops up when googling. But im finally getting excited.


Back away from Google hahaha.....sounds like you are in the home stretch.

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New Visitor
BlakeCullum
Posts: 5
Registered: ‎01-09-2013

Re: Conditional Approval!

Its tough to back away from Google when im constantly worried about certain things. Im actually starting to feel real good about everything. I have satisfied all but one condition as we are still waiting for my wife to sign her work contract. 

New Contributor
BCullum
Posts: 157
Registered: ‎01-09-2013

Re: Conditional Approval!

Why I was on that username is beyond me. 

Lender Pull EQ 745 EX 734 TU 722
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Conditional Approval!

Congrats

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Conditional Approval!

Congrats again! Your news is very positive! I'm crossing my fingers for you. Everything is going to work out. We are both coming up to the finish line together! :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014

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