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

Re: Happiness in an email

Appraiser called my seller to schedule today. They are going to call back first thing in the morning!!  Moving right along!!!!! 

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

Re: Happiness in an email

File Came back from Inital U/W with 6 contentions. 4 of the 6 are answered and sent back. The other 2 require a contract addendum that I need my sellers to sign and send back to me. Apparently putting the fridge, dishwasher, etc into the contract was a nogo for the underwriters. Also we mistakenly checked something about mineral rights we werent supposed to.

 

The other 6 contentions were fairly easy. They needed another childcare expenses letter, an explanation of two addresses that were on my credit report and not my application. They were both more than 3 years old. They also needed a better explanation of what happened with my student loans and how I intend to pay my mortgage since the payment is about 400 more than my current rent. The last one was funny for me, I sent them my divorce decree and they asked for the rest of it. I sent a letter that basically said uh, there is no more. We had a no property, no common bils, no contest $196 divorce! LOL

 

I did ask my TC and LO to let me know if the letter about the student loans and housing payment sounds okay. I am worried most about that, so if anyone else in the business wants to take a quick read of it and give me your thoughts??

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

Re: Happiness in an email

Waiting on my VA appraisal. It was completed Monday so I'm expecting it to be in tomorrow or Monday. Finishing packing my house this weekend in preparation of the upcoming surgery,closing etc! In the meantime I am browsing lowes and Home Depot for backsplash. That is the only thing I need to do in the kitchen. My best friend (the seller) preferred paint when they remodeled the kitchen. I have always wanted a nice backsplash! 

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

Re: Happiness in an email

Well hopefully I will be hearing about my appraisal today. It was done last Monday. *fingers crossed*
Regular Contributor
Posts: 139
Registered: ‎07-16-2014
0

Re: Happiness in an email

Good luck, Laura. My appraisal was last Saturday, hoping to hear something today as well. Fingers crossed...

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

Re: Happiness in an email

Appraisal is in!! 166000 on a 160000 offer!!! Seller was actually surprised it was that low since they had it appraised 2 years ago at 170,000. Different comps though in 2 years time! I'm just glad it came in over purchase price!
Regular Contributor
Posts: 139
Registered: ‎07-16-2014
0

Re: Happiness in an email

Congrats Laura. Still have yet to hear about mine, which was done before yours lol....

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

Re: Happiness in an email

I emailed my loan team and asked about it! Or I may still be waiting.
Regular Contributor
Posts: 139
Registered: ‎07-16-2014
0

Re: Happiness in an email

After seeing your post, I emailed my LO to see if we have any word yet, hopefully he gets back to me soon with some good news. I am tired of not hearing anything, lol.

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

Re: Happiness in an email


azriel wrote:

After seeing your post, I emailed my LO to see if we have any word yet, hopefully he gets back to me soon with some good news. I am tired of not hearing anything, lol.


Ohhhh I hope so!!!! 

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.