Getting to the end here of this roller coaster, but have sent myself into another panic attack. Getting ready to close and after being reassured that no more credit pulls would be done, we found out they will be doing another one. I didnt go crazy and buy cars, furniture, etc., but we did charge some stuff for XMAS, and charged the appraisal, inspection, and survey. Unfortunately i dont know how muh cushion I had on my DTI's, so panic has sunk in. It was only a few thousand bucks, but I am worried this is gonna ruin everything. LO has told me we are okay, but I think she is telling me what I want to hear. LOL. First time homebuyer mistake. I knew not to go nuts, but wasnt aware how quickly things add up with all the pre-close costs.
Anyone been denied the mortgage after the final credit check that was not due to buying cars, boats, etc.
