@jamiii wrote:Home Location: San Antonio, Texas
Purchase Price: $242K
Property: SFH - 2750 sq ft
Submitted Offer on: 10/27
Signed Contract on : 10/30Lender Name: Broker
Type of Loan: FHA 30 Yr Fixed
Loan Rate: 3.75
Closing Date: December 11CLOSED:
Realtor set closing late due to the holidays, but broker thinks he'll have everything done by 11/15. He ordered the appraisal on 11/5.
So now we wait.
Looks like we'll be November closers! Broker emailed this morning that we're looking at next Tuesday as a closing date! Happy Thanksgiving indeed. 
Conditional Approval! It only went to UW yesterday, wow!
My LO called me, because of the conditions was a biggie. One of my high balance credit cards was reporting $0 minimum payment which is obviously wrong. She was a little freaked out it would mess up our DTI, but it didn't - at all. The other conditions were 401K statements, and a few others she said she could handle.
Oh boy oh boy! I'm still not getting excited. I'm afraid.
Starting Score: Low 500's (2011)New condition, I have to have my name changed with social security tomorrow. Yikes! I've been trying to get around to it, I suppose.
Include link to house you are buying, always cool to see what others are buying what deals are to b had and such.
Starting Score: 701
Whelp, I guess i'll go ahead and post to this thread send I got conditional UW approval.
Home Location: Glenn Heights, Texas
Purchase Price: 285k
Property: SFH - 3988 sq ft
Submitted Offer on: May 15th (ish)
Signed Contract on : May 15th (ish) (New construction)
Lender Name: Supreme Lending
Notes about Lender: Good communication, would recommend
Type of Loan: USDA Guaranteed
Loan Rate: I should know this but i don't
Loan Application submitted: 11/5
Processing: 11/11
Appraisal Ordered: 11/25
Appraisal Completed: 12/2
Underwriting: 11/20
Loan Approved w/conditions: 11/26 (Conditions: Letter stating I was never married, IRS payment history, copies of canceled checks for earnest)
Final Approval: ?
Projected Closing date: Between 12/20 - 12/30
Home Location: Chico, California
Purchase Price: 342k
Property: SFH - 2098 sq ft
Signed Contract on : August 28th (ish) (New construction)
Builder: Webb Homes
Lender Name: Summit Funding
Notes about Lender: Good communication, would recommend, always responded to my emails within a few hours, even on weekends
Type of Loan: 30 year conventional 20% down
Loan Rate: 4.5%
Loan Application submitted: 8/1
Processing: 11/14
Appraisal Ordered: 11/1
Appraisal Completed: 11/4
Underwriting: 11/15
Loan Approved w/conditions: Zero Conditions 
Final Approval: 11/22 I went though UW so fast that we are just waiting for the Title Company now to come up with numbers. " They told me I was over prepared" I walked into their office with a binder containing every single piece of information a UW could ever think of.
Closing date: December 13th. I am superstitious and that is Friday the 13th!!!!!!!!!!!!!!!!
I went to try and buy a house in May of 2012 and was embarrassed with how far off I was. My middle FICO was 601!! I spent the next year many hours each week repairing my credit. I was able to get my middle score to 715 with two paid CO's still on my report that is a lot better than the 16 negatives I started with.
