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Established Member
Posts: 14
Registered: ‎07-19-2012
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Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

Congratulations! I'm so happy for you! As a fellow single mom, you give me hope that I can do the same next year :-) Your determination and persistence are an inspiration.

Starting Score: EQ 584(7/20/12)/ EX 597 (7/20/12)/ TU 632 (7/20/12) Up to mid 700s by 3/13...gah! I blew it again! Restarting 3/1/15 EQ 489/ EX 517/ TU 497
Current Score: EQ 625 (6/18/15)/ EX 605 (6/14/15)/ TU 583 (6/17/15)
Goal Score: 700 all


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Established Contributor
Posts: 747
Registered: ‎08-13-2011
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Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

Congratulatins on your new home, there is nothing like opening the front door to your house, walking in, and being able to say " its mine" you and your children enjoy your new home. God Bless you and them!

 





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


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Frequent Contributor
Posts: 367
Registered: ‎01-14-2012
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Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

Congratulations!!! You deserve it!

Contributor
Posts: 81
Registered: ‎08-12-2010
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Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

London, I knew you could do it! Smiley Very Happy and what an awesome birthday present.  Congratulations!

hr> src="http://i.imgur.com/LEYWe.png">Starting Score: TU 610 EQ 655 - 8/2010
Current Score: EQ 714 9/13 EXP 708 8/13 TU 717 8/13
Goal Score: too much of a yoyo, maintain the 700's for 2013

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Established Contributor
Posts: 619
Registered: ‎09-26-2011
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Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!


LondonMassey wrote:
I've spent a lot of years rolling with the punches, being taken for granted, and still found compassion to help others when I could... and I still do. As a single mom, one would expect that I'd be the one needing help from others, but, aside from the assistance with closing costs (and myfico), I've done this on my own...

From one single mom to another: you are a ROCK STAR!  What a tremendous example you are setting for your kids and for others! You go, girl!

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Frequent Contributor
Posts: 453
Registered: ‎01-03-2012
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Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

I did it! Docs are signed!!

I will get keys on Friday!

Unfortunately, I'm not getting any money back at all. The seller did pay some closing costs that he wasn't asked to, so I am getting a $600 credit in my escrow acct.

My interest rate is 3.75% which could've been a 3.5% if there hadn't been all these hold ups, BUT the taxes dropped from $626 to $475/yr and HOA is $37 not the $45 on the mls. So I will be paying less than I expected. With everything, including HOA (excluding utilities)... less than $400/mo! I'm sooo excited!
Cap1(sc) 550, Cap1 750, Walmart 750, Home Depot 3000, Amazon 700, US Bank 1500, Childrens Place 1100, JC Penney 700, Old Navy 700, PayPal 700, Torrid 700, Lane Bryant 150, Avenue 500, OSP 500, Amex Blue 2000, Disc it 1000, Walmart Disc 2200, Old Navy Visa 1700, Mortgage 09-2012, Car Loan 03-2013



Current Score: EQ 665 EX 687 TU 695


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Established Member
Posts: 32
Registered: ‎07-24-2012
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Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

Congratulations!! You've worked so hard to get to this point and really deserve it!! Smiley Happy

Regular Contributor
Posts: 169
Registered: ‎03-29-2012
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Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

Congrats!!  Is there a reason you have to wait until Friday to get keys?  I've read on here some people signing and then getting keys a few days later.  I've always gotten keys at closing


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


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Frequent Contributor
Posts: 453
Registered: ‎01-03-2012
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Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

2 reasons... it's a short sale and seller's bank needs to sign off on the loan and my funds won't be released until all is signed off and ready to be recorded.

They do one last employment verification before handing over the check... I just need to ensure I don't get fired between now and then!
Cap1(sc) 550, Cap1 750, Walmart 750, Home Depot 3000, Amazon 700, US Bank 1500, Childrens Place 1100, JC Penney 700, Old Navy 700, PayPal 700, Torrid 700, Lane Bryant 150, Avenue 500, OSP 500, Amex Blue 2000, Disc it 1000, Walmart Disc 2200, Old Navy Visa 1700, Mortgage 09-2012, Car Loan 03-2013



Current Score: EQ 665 EX 687 TU 695


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New Contributor
Posts: 62
Registered: ‎01-01-2012
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Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

Congrats. I've followed your journey, well deserved. 

In the garden, May 27, 2014








Fico 8: 6/1/15: EQ 719 TU 710 EXP 715
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