cancel
Showing results for 
Search instead for 
Did you mean: 

In Underwriting- Nervous..Excited..Anxious..Allof the Above!

tag
Chinadoll
Contributor

In Underwriting- Nervous..Excited..Anxious..Allof the Above!

As of today my loan application is now in Underwriting. I turned in everything, locked in my rate and now just waiting. So far the processor only asked for copies of my Checks to show my earnest deposit . I emailed those this morning and she just responded to say she received them. I haven't heard back since. I hope everything else goes through smoothly. Now I'm just leaning on Prayer & Faith....Wish me luck! Smiley Wink Anyone else in Underwriting at this moment?


Starting Score: TU 654 EQ 599
Current Score: TU 682 EQ 661 EX 688
Goal Score: 750


Take the FICO Fitness Challenge
Message 1 of 46
45 REPLIES 45
ReBuildingAgn
Regular Contributor

Re: In Underwriting- Nervous..Excited..Anxious..Allof the Above!

FINALLY! Someone who is also feeling my pain! Smiley Happy I turned in all of my documentation (and LOEs) on Monday. My rate has been locked and I'm playing the waiting game. Welcome!!!

;Starting Score: Low 500s FICO Aug 2008
Current Score: EQ 668 EX 723 TU 723 (All FICO)
Goal Score: 720s Across the Board! Almost there!

Cap1 NHR ($1250), GE Rooms2Go ($4k), WalMart Discover ($3250), Barclay's Rewards MC ($2k), Amex BCE ($5K), Kohl's ($1K), Chase Freedom ($3K), Discover More ($1K)
Message 2 of 46
Chinadoll
Contributor

Re: In Underwriting- Nervous..Excited..Anxious..Allof the Above!

Thanks & Good Luck to you! It's nerve wrecking to just be waiting. I'm trying every distraction I can so I'm not so anxious.

Starting Score: TU 654 EQ 599
Current Score: TU 682 EQ 661 EX 688
Goal Score: 750


Take the FICO Fitness Challenge
Message 3 of 46
ReBuildingAgn
Regular Contributor

Re: In Underwriting- Nervous..Excited..Anxious..Allof the Above!

Thanks. Good luck to you as well. How long did your LO and/or processor say it will take?

;Starting Score: Low 500s FICO Aug 2008
Current Score: EQ 668 EX 723 TU 723 (All FICO)
Goal Score: 720s Across the Board! Almost there!

Cap1 NHR ($1250), GE Rooms2Go ($4k), WalMart Discover ($3250), Barclay's Rewards MC ($2k), Amex BCE ($5K), Kohl's ($1K), Chase Freedom ($3K), Discover More ($1K)
Message 4 of 46
Chinadoll
Contributor

Re: In Underwriting- Nervous..Excited..Anxious..Allof the Above!

They didn't give me a time frame; but I didn't ask either. Also my house is still under Construction and won't be complete/tentative until end of Feb. My LO said my appraisal will be ordered 1st week of March; so I think it will be some time before I'm approved and can close. I'm hoping I get answers on approval and told your good pending the appraisal and inspection. Did you get a time table?

Starting Score: TU 654 EQ 599
Current Score: TU 682 EQ 661 EX 688
Goal Score: 750


Take the FICO Fitness Challenge
Message 5 of 46
ReBuildingAgn
Regular Contributor

Re: In Underwriting- Nervous..Excited..Anxious..Allof the Above!

That's funny because I'm in a similar situation. My LO said 30-45 days, but my house is under construction. It won't be complete until mid April. So I'm doing a ton of waiting. I just hope everything comes back ok. I don't feel like the house is mine until I hear 'Clear to Close'.

;Starting Score: Low 500s FICO Aug 2008
Current Score: EQ 668 EX 723 TU 723 (All FICO)
Goal Score: 720s Across the Board! Almost there!

Cap1 NHR ($1250), GE Rooms2Go ($4k), WalMart Discover ($3250), Barclay's Rewards MC ($2k), Amex BCE ($5K), Kohl's ($1K), Chase Freedom ($3K), Discover More ($1K)
Message 6 of 46
Chinadoll
Contributor

Re: In Underwriting- Nervous..Excited..Anxious..Allof the Above!

Yes; until I hear Clear to Close then I can sigh a relief. Good Luck with everything and keep me posted on your progress and I'll do the same. Smiley Happy

Starting Score: TU 654 EQ 599
Current Score: TU 682 EQ 661 EX 688
Goal Score: 750


Take the FICO Fitness Challenge
Message 7 of 46
Annaliese
New Contributor

Re: In Underwriting- Nervous..Excited..Anxious..Allof the Above!

I'm in the same boat! Appraisal is done today and I can't focus at work, checking emails etc.  Like you guys, I don't want to get excited yet until we are clear to close.  Smiley Happy

Message 8 of 46
Chinadoll
Contributor

Re: In Underwriting- Nervous..Excited..Anxious..Allof the Above!

Good luck Annaliese! Keep us posted

Starting Score: TU 654 EQ 599
Current Score: TU 682 EQ 661 EX 688
Goal Score: 750


Take the FICO Fitness Challenge
Message 9 of 46
Catacam
Frequent Contributor

Re: In Underwriting- Nervous..Excited..Anxious..Allof the Above!

Good Luck Everyone!! I can't wait until I'm in UW!!

CLOSED ON OUR FIRST HOME MAY 30TH!!!


Starting Score: TU 589 EQ 526 EX603
Current Score: TU 635 EQ 603 EX ??
Goal Score: 750


Take the FICO Fitness Challenge

Message 10 of 46
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.