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Starting Score: 534 (10.30.12)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014
Last Update! :-)
Purchase Price: $347,900
Property: Single Family Home, new construction (ready!), 4 bd, 3 1/2 ba, study, 2800 sq ft finished, 900 sq ft unfinished walkout basement, deck built in backyard on main level, has a covered patio in front, 2 car garage
Toured house : 1/2/13
Submitted offer on: 1/2/13
Signed Purchased Contract On : 1/5/13
Type of loan: FHA serviced through CHFA, 1st mortgage (for home purchase), 2nd mortgage (for 3% down payment)
Downpayment: 0.5%
Loan rate: 4.125% (rate is based on income since the 2nd mortgage covers my downpayment...higher income equals higher interest)
Loan application submitted: first loan app on 12/31, second loan app on 1/7/13 (had to switch to builder's lender to get $15K incentives which paid our $8,000 in closing costs in full and dropped the home price $5,000)
Loan approved: 2/5/13
Closing date: 2/6/13
Closed on: 2/6/13
Amount due at closing: $138 (+$70 for AC unit to be covered under additional 4 year warranty that the mortgage broker paid for + $685 in interest for February - $130 in earnest money remaining - $487 in builder credit towards Radon Mitigation)
Monthly mortgage payment (1st & 2nd): $2,337 (PITI plus PMI)
HOA dues: $73 per month (paid through April)
Purchase Price: $347,900
Property: Single Family Home, new construction (ready!), 4 bd, 3 1/2 ba, study, 2800 sq ft finished, 900 sq ft unfinished walkout basement, deck built in backyard on main level, has a covered patio in front, 2 car garage
Toured house : 1/2/13
Submitted offer on: 1/2/13
Signed Purchased Contract On : 1/5/13
Type of loan: FHA serviced through CHFA, 1st mortgage (for home purchase), 2nd mortgage (for 3% down payment)
Downpayment: 0.5%
Loan rate: 4.125% (rate is based on income since the 2nd mortgage covers my downpayment...higher income equals higher interest)
Loan application submitted: first loan app on 12/31, second loan app on 1/7/13 (had to switch to builder's lender to get $15K incentives which paid our $8,000 in closing costs in full and dropped the home price $5,000)
Loan approved: 2/5/13
Closing date: 2/6/13
Closed on: 2/6/13
Amount due at closing: $138 (+$70 for AC unit to be covered under additional 4 year warranty that the mortgage broker paid for + $685 in interest for February - $130 in earnest money remaining - $487 in builder credit towards Radon Mitigation)
Monthly mortgage payment (1st & 2nd): $2,337 (PITI plus PMI)
HOA dues: $73 per month (paid through April)
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