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Just got a call from my LO... I sign loan docs tomorrow and close on Friday 1/25/13!!!!!!!!
Congrats!! I hope mine goes as smooth as everyone else's!!
Update - closed on Friday! After getting through a last minute issue with settlement statement, everything else went smoothly & we are in our new home (well sort of, haven't officially moved in yet as we're having some work done)....but excited that the buying process is over!!
I expect my refi to close sometime in Feb, so I guess it qualifies for the thread.
I'm currently 29 months into a 20 year fixed at 4.375% Balance is about $152k ($4500 paid ahead on pricipal).
I'm applying and locked into a no cost 15 year fixed refi @ 2.875% (1/8 of a point for the "no cost")
Just got the loan app on 1/25 and returned it signed with all requested documentation to the mortgage broker 1/26.
He said closing should be in about 20days barring any delays getting an appraisal scheduled.
Depending on where the appraisal comes in, I might have to borrow a small amount ($10-15K) from my 401K to meet 80% LTV and avoid MI.
All the work I do to keep my credit pristine really pays off when it allows me to get good rates and rapid approval on new loans.
Congrats bobebob, great rate!
Congrats...
Thanks. It's fun taking the FICO out for a spin once in a while. I just try not to do it too often.
But when the opportunity comes up to save $20K on my mortgage, it's a no-brainer!