07-01-2014 09:45 AM
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.
07-01-2014 08:06 PM
Grats & Good luck
07-08-2014 11:00 AM
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!
07-08-2014 11:56 AM
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.
07-08-2014 01:13 PM
07-08-2014 02:21 PM
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!!!
07-08-2014 02:54 PM
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
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