Loan officer called me on my lunch break today and delivered the good news: cleared to close! We are closing Thursday at 11AM.
It's a been a long journey for my wife and I. I ran into some credit troubles after I separated from the USAF. Filed BK and it was discharged May 2010. Been working hard ever since then to rebuild my credit and we would always look at houses online saying "One day we'll have a home of our own." Well, the day has arrived and we can't be happier.
We went through Veterans United Home Loans. Purchase price was $169,000 and our rate is 3.5%. The house is in a nice neighborhood and three houses down from my wife's mom and dad. Which is nice because I'm not a handyman at all, but my FIL is like MacGuyver when it comes to fixing/building things!
I haven't posted a lot on these boards, but have spent countless hours reading. The stuff I learned on here has been invaluable towards finally owning a home. Thanks to all.
Here's a photo:
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! 
Last App: 4/5/13 Gardening until July 2014
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012 
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