Got our clear to close! 9 days till closing : )

[Anonymous]

I am positively ecstatic!  We are set to close on the 10th of this month.  I have been a little worried just because of some of your experiences I have read about with taking so long to hear back from underwriting at all and then all the conditions...  A timeline for our experience if you are interested:

7/6 - got pre-approval from our mortgage broker

7/15 - saw our dream home

7/17 - made offer on said dream home

7/24 - after negotiations, arrived on final contract with seller

7/31 - signed and turned in loan app along with all documentation

8/1 - home inspection, request for repairs given to seller

8/9 - final agreement from seller on repair request

8/10-8/24 - sometime in there the appraisal was done

8/26 - received notice from LO that she had received appraisal and was sending our file to the UW next day

9/1 - received clear to close from LO - YEA!

Some of you may remember I had asked a lot of questions about conditions - was a bit concerned with an OLD collection I have that is unpaid - from 2005 or so and a small medical collection.

LO provided middle scores - mine 622 DH 702 

Thanks to all of you on these boards who have given me some fantastic information about the process!  And good luck to all of you who are just beginning and still in the process.  I can't wait for next Thursday... time to pack!

[ShanetheMortgageMan]

Congrats on the clear to close!

[entmike]

Congratulations!  Great time to buy!

My wife and I seems to be moving at the same pace as you are from when you applied for your loan!  It sure is stressful (for me, anyway), waiting for the processors and underwriters turn their gears and do the paperwork while we just have to sit and wait!  Sep 30th (or earlier, God willing) can't come soon enough to close!

[credit911]

I am happy for you. I can only imagine how you must feel on getting your house. I hope to have a house sometime next year... we shall see!

[Anonymous]

Congratulations! We also got our clear to close and had our original Sept 16th closing bumped up to Sept 14th. Put in our offer on August 4th. Everything has happened so fast but it's very exciting!

[ArmyStrong]

Congrats!!