Posts: 14
Registered: ‎11-03-2012

Got the clear to close today!

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:

Regular Contributor
Posts: 224
Registered: ‎12-11-2012

Re: Got the clear to close today!

That is so awesome. What a blessing - it's a beautiful home ! Your family must be very proud of your hard work and diligence to make it happen. Now......ENJOY IT TO THE FULLEST !

12/11/12 Starting Score EQ FICO - 583/ TU FICO - 615/
4/1/13 - Lender Pull - TU - 645 EQ - 675 EX 712
Each One - Teach One
Valued Contributor
Posts: 3,303
Registered: ‎06-09-2010

Re: Got the clear to close today!

Congrats. Enjoy your new home... Dont forget to invite all of us to the first BBQ!!! lol

Good Luck
May all your dreams and wishes become a reality!
New Contributor
Posts: 157
Registered: ‎01-09-2013

Re: Got the clear to close today!

Beautiful home! counting the days to when I hear those wonderful 3 words "clear to close". 

Lender Pull EQ 745 EX 734 TU 722
Posts: 14
Registered: ‎11-03-2012

Re: Got the clear to close today!

Thank you for the kind words everyone.  To everyone still waiting and working hard to get there, hang in there and your work will pay off soon!

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012

Re: Got the clear to close today!

CONGRATS!!!! It is a beautiful home!!! I am so happy for you! We are counting the days to hear clear to close as well. Hoping it will be Friday or Monday.
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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Regular Contributor
Posts: 177
Registered: ‎12-16-2011

Re: Got the clear to close today!

Beautiful. Congrats!

In my wallet:
Discover More / Chase Amazon / Chase Freedom /Chase Business Ink / Chase Slate / Capital One Cash Rewards / Walmart Discover / Kohls / JCPenny / Home Depot / Art Van

Experian Direct PLUS scores: Experian 744/ Equifax 763/ TU 744
Frequent Contributor
Posts: 416
Registered: ‎12-05-2012

Re: Got the clear to close today!

Beautiful home congratulations!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
Take the FICO Fitness Challenge
App Free since 2.8.13
Regular Contributor
Posts: 223
Registered: ‎08-10-2012

Re: Got the clear to close today!

Congrats!  Enjoy, it's beautiful!


In The Garden Until 11/01/15 - Last App 11/03/13
Frequent Contributor
Posts: 367
Registered: ‎01-14-2012

Re: Got the clear to close today!

What a beautiful home! Congrats- enjoy it!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+