Reply
Regular Contributor
Posts: 151
Registered: ‎05-12-2014
0

Re: Happiness in an email

Yes I'm very chatty today! Just got this email and it made me smile :smileyhappy:

 

At this point we are looking good. I know the home buying process is stressful but you are doing great so far. Underwriter’s look at things in more detail and will make sure all of the pieces of the puzzle fit together. If there are any missing pieces they may ask for a letter to explain a situation or a certain document to verify something that may be missing. There are a variety of things they could ask for but it just depends. We have everything we think we need to get a clean conditional approval, but it is very common for a file to go to underwriting 2 or even 3 times to clear remaining conditions. For now, sit back, relax, keep an eye on your email, and I will keep you up to date on where we are or if we need anything.

Community Leader
Super Contributor
Posts: 5,918
Registered: ‎03-06-2010
0

Re: Happiness in an email


Laura1369 wrote:

Yes I'm very chatty today! Just got this email and it made me smile :smileyhappy:

 

At this point we are looking good. I know the home buying process is stressful but you are doing great so far. Underwriter’s look at things in more detail and will make sure all of the pieces of the puzzle fit together. If there are any missing pieces they may ask for a letter to explain a situation or a certain document to verify something that may be missing. There are a variety of things they could ask for but it just depends. We have everything we think we need to get a clean conditional approval, but it is very common for a file to go to underwriting 2 or even 3 times to clear remaining conditions. For now, sit back, relax, keep an eye on your email, and I will keep you up to date on where we are or if we need anything.


That is an excellent email! So well written and reassuring too :smileyhappy:

You are well on your way now.

Regular Contributor
Posts: 151
Registered: ‎05-12-2014
0

Re: Happiness in an email

Inspection done this morning! Roof will need to be done in the next few years. Sounds like a good excuse to have all the boyfriends construction friends over for a "party!" Bathrooms are vented into the attic but not out of. Not sure if the VA is going to require the sellers to fix that, have to wait for the appraisal. Other than that house is great just minor things we can fix when we move in!!! Oh and no wood eating buggies!!!! Yay!
Regular Contributor
Posts: 240
Registered: ‎03-03-2014
0

Re: Happiness in an email

Ditto StartingOver10! I know you must have felt good to read that. My LO told me pretty much the same thing today verbally which put me at ease. We should be getting the appraisal tomorrow no later than Friday.
Myfico: 03/26/2015: EQ 652, EX 680, TU 738 Barclays

Barclays $4.7K, NFCU Platinum $15K, AMEX BCE $15k, HD $12k, Sams $3.5k, Walmart MC $3.5K, NFCU LOC 10K, GE local Furn store $3.5k, AMEX ED $10.5K
Regular Contributor
Posts: 240
Registered: ‎03-03-2014
0

Re: Happiness in an email

Laura1369- do you mind sharing your template for baddies via pm? I got the same request tonight.
Myfico: 03/26/2015: EQ 652, EX 680, TU 738 Barclays

Barclays $4.7K, NFCU Platinum $15K, AMEX BCE $15k, HD $12k, Sams $3.5k, Walmart MC $3.5K, NFCU LOC 10K, GE local Furn store $3.5k, AMEX ED $10.5K
Regular Contributor
Posts: 151
Registered: ‎05-12-2014
0

Re: Happiness in an email

No template. They sent me a document that basically had my credit report copied onto it, but with like 6 lines beneath for explanation. Then a whole page for me to write up my why it wouldn't happen again and a whole page for my BK7 and why it wouldn't happen again. My LO and transaction coordinator were pleased with my answers. All i told them was the truth about each item.
Regular Contributor
Posts: 151
Registered: ‎05-12-2014
0

Re: Happiness in an email

6 Lines beneath each item I had to explain to be more clear.
Regular Contributor
Posts: 240
Registered: ‎03-03-2014
0

Re: Happiness in an email

Submitted all requested docs this morning to processor...now...more waiting. Lol
Myfico: 03/26/2015: EQ 652, EX 680, TU 738 Barclays

Barclays $4.7K, NFCU Platinum $15K, AMEX BCE $15k, HD $12k, Sams $3.5k, Walmart MC $3.5K, NFCU LOC 10K, GE local Furn store $3.5k, AMEX ED $10.5K
Regular Contributor
Posts: 151
Registered: ‎05-12-2014
0

Re: Happiness in an email

Waiting is FUN!!! What are you doing to help your wait? I am packing my house. My daughter is away in Vermont until Sunday (my birthday) so I am taking advantage of it. Packing helps both the waiting and the missing my pumpkin like crazy! I need to have all but essentials packed by July 28 because I am having mAjor abdominal surgery the 29th. So the last of the packing and moving fall completely on my boyfriends shoulders. Promised him the packing wouldn't be much.
Regular Contributor
Posts: 240
Registered: ‎03-03-2014
0

Re: Happiness in an email

You hit the nail on the head with packing. I have been also furniture shopping, mostly wishing for now until I close because we are not moving ANY money at all until we get those keys. LOL :smileyhappy:

Myfico: 03/26/2015: EQ 652, EX 680, TU 738 Barclays

Barclays $4.7K, NFCU Platinum $15K, AMEX BCE $15k, HD $12k, Sams $3.5k, Walmart MC $3.5K, NFCU LOC 10K, GE local Furn store $3.5k, AMEX ED $10.5K
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.