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Not sure. I had my full approval (supposedly) done in advance. My inspection has been done, appraisal has been ordered, homeowners insurance already paid for and sent in last week. Yet my file is back with the underwriters again.
I am told that anytime something changes the files goes back to uw. I cancelled contract on one house and last week went under contract on another...maybe that's why for me, but since they already ordered the appraisal, I have paid the homeowners, etc. I would have thought they would have done the uw part already. It's leaving a very unsettling feeling in my stomach.
Oooooooh, thank you, thank you. You have put my mind at ease. I was worried they'd find something wrong with me credit wise even though between the start of this and the other property and then now, I've been told 3 times...Good news you were approved...again....whatever that means. LOL.
So...it's good to know it's normal that it has to go back to them if the property changed. I don't think appraisal has been done yet. They ordered on Monday so I was hoping it would be this week. We shall see. I am much more at ease thinking they are having to approve the property as opposed to me. Thanks for that!!
Expiration date on mortgage commitment letter is May 25th closing is scheduled for mid April. It specifically stated credit would need to rerun after that date, etc. so I guess that's ok.
Price of this house is higher than the last, but I'm still not using my whole loan amount that I was approved for. Taxes are exactly what they had estimated on GFE and homeowners is less. I'm putting 20% down anyway and have about 1 1/2 - 2 years left in bank as reserves. So I hope this house being a little more than the last won't be cause for concern.
Apologies to OP for beginning to threadjack.