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Finally! It is happening to me again!

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MYFICOisWACKO2
Contributor

Finally! It is happening to me again!

I got a auto-approval vs. a manual underwrite with my midscore at 658 and I am in UNDERWRITING!  My DTI is close to zero.  I have a SL that I pay 50.00 a month to. I do have a few collections that are showing on my EX but all mainly paid off (this is what concerns me the most).  HOWEVER I am more optimistic now than I have been ever before.  I will know more no later than Monday.  How realistic is my situation for an approval?     

myFICOisNOTWACKO but MYFICOisWACKO get it?!?
6.18.2011Lender pull:
EX-640 Fair Issac V2/TUClassic 04-658/EQ Beacon 5-741
5.20.2011 myFICO pulls:
TU 789 EQ 727
Closed on home 6/27/2011! 180K 4.625% Thanks myFICO!
Message 1 of 15
14 REPLIES 14
MYFICOisWACKO2
Contributor

Re: Finally! It is happening to me again!

JUST GOT THE CALL!!!! APPROVED!

myFICOisNOTWACKO but MYFICOisWACKO get it?!?
6.18.2011Lender pull:
EX-640 Fair Issac V2/TUClassic 04-658/EQ Beacon 5-741
5.20.2011 myFICO pulls:
TU 789 EQ 727
Closed on home 6/27/2011! 180K 4.625% Thanks myFICO!
Message 2 of 15
p-
Valued Contributor

Re: Finally! It is happening to me again!

Good terms?

Message 3 of 15
MYFICOisWACKO2
Contributor

Re: Finally! It is happening to me again!

Great terms!  The best ever! 

myFICOisNOTWACKO but MYFICOisWACKO get it?!?
6.18.2011Lender pull:
EX-640 Fair Issac V2/TUClassic 04-658/EQ Beacon 5-741
5.20.2011 myFICO pulls:
TU 789 EQ 727
Closed on home 6/27/2011! 180K 4.625% Thanks myFICO!
Message 4 of 15
p-
Valued Contributor

Re: Finally! It is happening to me again!

Sweet, congrats!

Message 5 of 15
Mzvanessa
Contributor

Re: Finally! It is happening to me again!

That is awesome MyFICOISWACKO2 I just applied to see if I would be approved for a FHA loan through BofA my app is being sent for a Manuel review. BK back in 2003, and have two collections on my report that is schedule to fall off next year along with the BK I think that is my hold up. Congrats and good luck

TU: Fico 678 6-19-13 677 8/23/13
EQ: Fico 665 7-5-13 665 8/23/13
EX: Fico 681 Lender pulled 8/23/13


Message 6 of 15
sml1997
Valued Member

Re: Finally! It is happening to me again!

Congrats! That is awesome. I so hope to follow in your footsteps one days. It must be a great feeling to hear those words.....YOU'RE APPROVED!!!! Smiley Very Happy


Starting Score: 522
Current Score: 601
Goal Score: 700


Take the FICO Fitness Challenge

Message 7 of 15
Anonymous
Not applicable

Re: Finally! It is happening to me again!

Congrats that is great news!!!

Message 8 of 15
MYFICOisWACKO2
Contributor

Re: Finally! It is happening to me again!

It has been a while since I last posted.  Can't even begin to tell you the drama I have been through over the last 2 weeks since I got the approval call.  However after living in a hotel for a week and having all of my worldly possessions stored in a UHAUL truck.  $1000.00 dollars later and after going to closing and hearing your loan has funded please come pick up your keys, to 20 mins later getting a callback saying they have pulled the wire back and your loan has NOT funded.  Then an hour later saying it has funded again....I AM FINALLY IN MY NEW HOME!  I could still be homeless so I am NOT complaining!  30 yr fixed 4.625 on a 180K loan.  P&I is around 928.00.  It has been a rough ride...but it has been worth EVERY moment. 

 

Thanks myFICO for EVERYTHING! 

myFICOisNOTWACKO but MYFICOisWACKO get it?!?
6.18.2011Lender pull:
EX-640 Fair Issac V2/TUClassic 04-658/EQ Beacon 5-741
5.20.2011 myFICO pulls:
TU 789 EQ 727
Closed on home 6/27/2011! 180K 4.625% Thanks myFICO!
Message 9 of 15
IOBA
Senior Contributor

Re: Finally! It is happening to me again!

Wow!!

 

Congratulations!

Message 10 of 15
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