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January 2016 Closers

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Lemmus
Established Contributor

Re: January 2016 Closers


@Anonymous wrote:

We Closed yesterday!! Closing went perfectly and the loan funded very fast. Good luck to everyone waiting. Its worth the wait and hard work.


                Smiley Very Happy•º°”˜˜”°º••º°”˜˜”°º••º°”˜˜”°º••º°”˜˜”°º•CONGRATULATIONS•º°”˜˜”°º••º°”˜˜”°º••º°”˜˜”°º••º°”˜˜”°º•Smiley Very Happy


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Last HP: 11/04/15 | myFico 3B Jun 10 '15:FICO8 EQ - 752 | TU - 763 | EX - 750
Message 21 of 46
chela62678
Regular Contributor

Re: January 2016 Closers


@chela62678 wrote:

Purchase Price:  $256,000

  • Location:  Houston, Texas
  • Property Type: Single Family
  • Signed Contract : Oct 2015
  • Type of Loan: FHA
  • Loan Amount: $230,400
  • Loan Rate: 3.75% (locked Rate expires soon Smiley Sad )
  • Loan Application Submitted: Jul, 2015
  • Loan Approved: TBD
  • Committment Letter Received: TBD
  • Closing Date: January 8, 2016
  • Closed On: Pending

It has been a whirlwind, and not a great process. Not on my LO or New Mortgage Co, but on the sale of my current home.

Put on market, off market on one day. Cash Offer, had to move out all belongings and into hotel to appease new owners. Hired Cleaners and had to rent storage and Pods. And they never showed up to closing. Deal Dead. MUTHABLEEPERS!!! Had to put property back on market, and have been back and forth with my new home build. Waiting for re-appraisal now. Hope the god lord gets us thru this last hurdle.

It has been a nightmare to say the least. I was supposed sell my current home back in November and new home was to be ready first week of Dec. Well not done so it panned out but still. Been sleeping on air mattresses for the last month with a storage bin for each member of my family (5) as possession to last us,Till we move in to our hopefully new home. 

All please pray for me.


Got Clear To Close

 

Minor Conditions for the Closing Disclosure


Crossing Fingers for Tues Close, may be more Weds but either way Excited!! Been a long 6 months

Updated 11/12/14
EQ 717 TU 718 EX 732

updated FICO 10/28/14
EQ 710 TU709 EX683

myfico scores 10/25/14
EQ 677 TU 695 EX 683

Message 22 of 46
Anonymous
Not applicable

Re: January 2016 Closers

Just received the closing disclosure documents.  Boy this has been a long process, emotional, etc but it is nearly completed.  Supposed to close Tuesday afternoon.  Out of the rental by the end of the month.

Message 23 of 46
chela62678
Regular Contributor

Re: January 2016 Closers

We closed yesterday afternoon!! Closed on a new home build by Meritage Homes. We used their closing co to get their $1k credit. Mistake. Live and learn.. The woman who closed us was rude, and didn't pay very good attention.  They told us to sign, we signed how we legaly sign all docs always. But my hubby's name didn't include his middle name. So we had to resign all paperwork. And she does this for a living. Took us 3.5 hrs to close and fund. My LO Shane was a blessing. Patient and always there with my million questions.

 

i wasn't oferred water, coffee, nothing. I had to ask and get myself. Customer Service - 10!!! 

 

Glad we are done.. We are moving in this weekend Smiley Happy

 

itching to APP for something but won't lol

Updated 11/12/14
EQ 717 TU 718 EX 732

updated FICO 10/28/14
EQ 710 TU709 EX683

myfico scores 10/25/14
EQ 677 TU 695 EX 683

Message 24 of 46
cartwrna
Valued Contributor

Re: January 2016 Closers

^ Congratulations! The first thing were apping for is a new SUV for the wife. Second child due in April and she is dying to get out of her 13' Avenger. It was all the rave when she bought it in 2013 though LOL!
Don’t take your credit for granted, use it with care! These days, catch me in the bankruptcy forum!?
Message 25 of 46
ashjt2011
Regular Contributor

Re: January 2016 Closers

Got my clear to close last Tuesday!! Will close on Wednesday the 20th! Less then 48hrs... I'm freaking out!! I can't wait to have the keys in my hand.
Message 26 of 46
chela62678
Regular Contributor

Re: January 2016 Closers

Thank You Cartwrna!!

 

I have a 2013 Armada - LOVE IT!!! I have fam of 5. Kids into sports and fits all our stuff Smiley Happy


@cartwrna wrote:
^ Congratulations! The first thing were apping for is a new SUV for the wife. Second child due in April and she is dying to get out of her 13' Avenger. It was all the rave when she bought it in 2013 though LOL!

 

Updated 11/12/14
EQ 717 TU 718 EX 732

updated FICO 10/28/14
EQ 710 TU709 EX683

myfico scores 10/25/14
EQ 677 TU 695 EX 683

Message 27 of 46
Viylette
New Member

Re: January 2016 Closers

  • Purchase Price:  247,500
  • Location:  Tennessee
  • Property Type: Single Family
  • Signed Contract : Dec 2015
  • Type of Loan: VA
  • Loan Amount: 247,500
  • Loan Rate: 4.65%
  • Loan Application Submitted: Dec 2015
  • Loan Approved: Jan 2016
  • Committment Letter Received: Jan 13, 2016
  • Closing Date: January 14, 2016
  • Closed On: January 14, 2016
Message 28 of 46
Anonymous
Not applicable

Re: January 2016 Closers

We got our clear to close today, woo hoo!! Smiley Happy

We also had our inspection this morning and everything is good (it's new construction) with only a few minor cosmetic things that the builder will take care of before our final walk-through on Thursday. We are on scheduled to close on the 28th and I can't wait for this process to be over. Now i'm off to book our movers and cleaners for next week! Smiley Happy

Message 29 of 46
Anonymous
Not applicable

Re: January 2016 Closers

I have mostly been lurking in these forums, but we closed last week, woohoo! Figured my data might be helpful....

 

  • Purchase Price:  211,000
  • Location:  Utah
  • Property Type: Townhouse
  • Signed Contract : Dec  5, 2015
  • Type of Loan: FHA
  • Loan Amount: 207,178
  • Loan Rate: 3.375%
  • Loan Application Submitted: Dec 2015
  • Loan Approved: Jan 2016
  • Closing Disclosure Received: Jan 11, 2016
  • Closed On: January 14, 2016

 

All in all, I'm surprised at how painless the process was!! And feeling very, very poor.....but happy to finally own our own home!!

Message 30 of 46
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