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Contributor
Laura1369
Posts: 89
Registered: ‎05-12-2014

Happiness in an email

Getting the email today that says I am under contract brought a big smile to my face. All it had in it was the next steps from here and how the process works. However, that was enough to make me happy. Such a long hard path over the past couple years to get here. They said closing normally takes 30-45 days which is good because the contract said on of before 21August. The seller wants the mortgage commitment by 25July. So I know I will have another month and a half of nail biting in front of me.... Egads!!! 

 

VA loan for 160,000 through Veterans United. 

Regular Contributor
dreamer2014
Posts: 146
Registered: ‎03-03-2014

Re: Happiness in an email

I can relate...keep us posted as I will do the same.
Lender pull 3/7/14
Me: EFX 619, XPN 657, TUC 669
DH: EFX 597,XPN 609, TUC 639
Contributor
Laura1369
Posts: 89
Registered: ‎05-12-2014

Re: Happiness in an email

Sure will!
Established Member
Sweetkoils
Posts: 12
Registered: ‎04-28-2013

Re: Happiness in an email

It's good to know  that you even passed getting approved with Veterans United.  As I've heard that are strict with guidelines.  Sooo happy only up from here! :smileyhappy:

Valued Contributor
gdale6
Posts: 8,661
Registered: ‎12-13-2013

Re: Happiness in an email

Grats & Good luck :smileyhappy:

EX Cred Ses 07/14: 770 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 738
TU Fico 8 07/14: 719; TU MPM 06/14 706
Contributor
Laura1369
Posts: 89
Registered: ‎05-12-2014

Re: Happiness in an email

I got an email from my processor today. I needed to do their generic LOE for my baddies and HPS . I had to tell them what I  have done to ensure the baddies won't happen again. I also had to explain the bankruptcy and again explain why it wont happen.  All were easy.  He aslo needed my Title lawyer guys info for settlement and wanted my homeowner insurance info. All taken care of and sent back in under 2 hours.

 

LO also emailed and took my payment info to order the appraisal. Seems like we are moving right along!

Valued Contributor
ezdriver
Posts: 1,470
Registered: ‎08-24-2013

Re: Happiness in an email

Keep forging ahead. You seem to be doing great and the process is moving along nicely too. We're all cheering for you so keep us posted.



Starting Score: 618
Scores on 10/9/13: EFX 652, XPN 669, TUC 662
Scores on 3/17/14: EFX 649, XPN 677, TUC 681
Goal Score: 720 ALL


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Regular Contributor
dreamer2014
Posts: 146
Registered: ‎03-03-2014

Re: Happiness in an email

Laura1369- Thanks for that update because I believe those will be my next steps. We completed the first walk thru today. We are still waiting on appraisal. It was ordered on 6/25. VA takes 10 days. I'm rooting for ya! Keep us posted.
Lender pull 3/7/14
Me: EFX 619, XPN 657, TUC 669
DH: EFX 597,XPN 609, TUC 639
Contributor
Laura1369
Posts: 89
Registered: ‎05-12-2014

Re: Happiness in an email

Emailing back and forth with the transaction coordinator  all day. They needed a copy of my divorce decree. He figured the underwriters are going to ask. He said had will let me know if he needs anything else before it goes to underwriting, but doesn't think so. So I asked if we have to wait on the appraisal to go to initial u/w and he said no they like to get the conditional approval ASAP. We are just waiting on verifications the processor ordered. My assumption is thAt is stuff from the bankruptcy court, my student loan discharge, and my irs transcripts. We will go to u/w as soon as they get whatever. 

 

I also apologized for all my questions and was encouraged to continue asking. Was told anytime I want to know where we are in the process to ask... To never be afraid of asking anything! I feel like I have scored in the loan team department!!!  I opened my mail yesterday to find a card and a package from VU! There was an absolutely gorgeous personalized welcome matt inside with a note thanking me for being so easy to work with! I was blown away!!! 

Contributor
Laura1369
Posts: 89
Registered: ‎05-12-2014

Re: Happiness in an email

Dreamer,

 

just checked the VA site and we have a 5 day time for the appraisal. Not sure why some areas are different than others. Unless I am reading the chart wrong!!! Lol

 

http://benefits.va.gov/HOMELOANS/documents/docs/cleveland_fee.pdf


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