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If we don't close tomorrow ???

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Asailorshort
Regular Contributor

If we don't close tomorrow ???

So we're supposed to close on our home in about 22 hours but still haven't heard back from lender. If we don't close as scheduled do I need to contact insurance & utilities & have that stuff changed?
Starting FICO 667 (5/2012) EQ
672 (7/2012) EQ. 681 (8/1/12) EQ
Current FICO 682 (10/13/12) EQ; 718 (10/13/12) TU
Goal: 760+ but 700-720 by jan 2013
No new apps tll jul 2013
Message 1 of 7
6 REPLIES 6
StartingOver10
Moderator Emerita

Re: If we don't close tomorrow ???

Yes, first contact your agent and get an extension.

Second contact utilities and insurance and give them the new start date.

 

Sorry to hear your lender hasn't followed up with you. It gives the whole business a bad name when everything is left to the last minute and you aren't informed Smiley Sad

Message 2 of 7
Elcid89
Contributor

Re: If we don't close tomorrow ???


@Asailorshort wrote:
So we're supposed to close on our home in about 22 hours but still haven't heard back from lender. If we don't close as scheduled do I need to contact insurance & utilities & have that stuff changed?

Stay on your LO about it, but I have seen clear to close notifications show up on the morning of closing. You need to be calling them, not waiting for them to call you.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Message 3 of 7
pdog661
Frequent Contributor

Re: If we don't close tomorrow ???

Have you gotten the Clear to Close notice?

 

It may be stuck in the Title company's hands.  

Message 4 of 7
Asailorshort
Regular Contributor

Re: If we don't close tomorrow ???

No clear to close yet. It's not stuck in title. Their ppw has been in for awhile. Have contacted lender 3x -office phone, blackberry & email. All no answer/no reply.
Starting FICO 667 (5/2012) EQ
672 (7/2012) EQ. 681 (8/1/12) EQ
Current FICO 682 (10/13/12) EQ; 718 (10/13/12) TU
Goal: 760+ but 700-720 by jan 2013
No new apps tll jul 2013
Message 5 of 7
tunseeker1
Regular Contributor

Re: If we don't close tomorrow ???

We were scheduled to closed at 10am on a friday, We got our last request for documents from bank on thursday at 5:15pm. After explaining that we have more then one account at the bank and they need to look at the one that has the money in it we got our clear to close, at 9:54 on friday.

 

Message 6 of 7
Ravensfan2001
Established Contributor

Re: If we don't close tomorrow ???


@tunseeker1 wrote:

We were scheduled to closed at 10am on a friday, We got our last request for documents from bank on thursday at 5:15pm. After explaining that we have more then one account at the bank and they need to look at the one that has the money in it we got our clear to close, at 9:54 on friday.

 


omg I think I'd need some Ativan if this happened to me.


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 7 of 7
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