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Member
shannonsto
Posts: 7
Registered: ‎07-19-2012

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)
Current Score: EQ 712 (04/01/13) / EX 741 (04/01/13) /TU 716 (04/01/13)
Goal Score: 700 all


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Frequent Contributor
traveler2005
Posts: 297
Registered: ‎08-13-2011

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 655, Exp 656 AE reject letter.,Eq 639
Goal Score: 700 across the board


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Regular Contributor
Sunshine85
Posts: 214
Registered: ‎01-14-2012

Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

Congratulations!!! You deserve it!

Contributor
Errin1
Posts: 79
Registered: ‎08-12-2010

Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

London, I knew you could do it! :smileyvery-happy: and what an awesome birthday present.  Congratulations!


Starting Score: TU 610 EQ 655 - 8/2010
Current Score: EQ 703 4/13 EXP 714 9/12 ( lender pull) TU 719 4/13
Goal Score: too much of a yoyo, maintain the 700's for 2013


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Established Contributor
thankfulheart
Posts: 613
Registered: ‎09-26-2011

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
LondonMassey
Posts: 441
Registered: ‎01-03-2012

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 500, Walmart 350, Home Depot 1500, Amazon 700, US Bank 1500, Childrens Place 450, JC Penney 200, Old Navy 250, PayPal 600


Starting Score: EQ 614 EX 653 TU 680 Lender Pull 2/6/12
Current Score: EQ 665(Dealer Pull) EX 687(Dealer pull) TU 695 (Dealer pull)
Goal Score: Closed on my new home, 9/27/12, $51,950 left to pay!! Got my car!! $6300 left to pay!

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Established Member
ladyli22
Posts: 32
Registered: ‎07-24-2012

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!! :smileyhappy:

Regular Contributor
jtc411
Posts: 169
Registered: ‎03-29-2012

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
LondonMassey
Posts: 441
Registered: ‎01-03-2012

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 500, Walmart 350, Home Depot 1500, Amazon 700, US Bank 1500, Childrens Place 450, JC Penney 200, Old Navy 250, PayPal 600


Starting Score: EQ 614 EX 653 TU 680 Lender Pull 2/6/12
Current Score: EQ 665(Dealer Pull) EX 687(Dealer pull) TU 695 (Dealer pull)
Goal Score: Closed on my new home, 9/27/12, $51,950 left to pay!! Got my car!! $6300 left to pay!

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Valued Member
mfoxxx
Posts: 40
Registered: ‎01-01-2012

Re: I AM SIGNING MY CLOSING DOCS IN 3 HOURS!!!

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

In the garden, January 18, 2013






















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