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July & August Closers

Valued Contributor

July & August Closers

There wasnt one yet, so i have created one. Please use the template below.

 

I finally found THE house!

 

  • Purchase Price:  $153,000
  • Property: Two Story (See pics)
  • Submitted offer on: 6/3/2012
  • Signed Purchased contract on : 
  • Type of Loan: FHA
  • Loan Rate: 3.50%
  • Loan Application submitted:  5/29/2012
  • Loan approved: 5/30/2012
  • Committment letter received on: 
  • Closing date: 7/20/2012
  • Closed on: Pendng

Traditional seller, who we got to provide a 1 year home warranty AND provide 3.5% towards closing!

 

The original asking price was also 179,900..... we got them down A LOT lol......

 

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 1 of 138
137 REPLIES
New Contributor

Re: July & August Closers

I finally found THE house!

 

  • Purchase Price:  $271,000
  • Property: Two Story
  • Submitted offer on: 5/12/2012
  • Signed Purchased contract on : 5/12/2012
  • Type of Loan: FHA
  • Loan Rate: 3.75%
  • Loan Application submitted:  5/29/2012
  • Loan approved: 5/30/2012
  • Committment letter received on: Pending Receipt
  • Closing date: Somewhere around 8/10/2012
  • Closed on: Pendng

Building a new home with Highland Homes, who we got to provide a 1% interest reduction, over 20,000 in upgrades, and $6000.00 towards closing!

 

The original price was (with upgrades) 295,000 Love buidling with free upgrades.... Pics to come soon

Message 2 of 138
Regular Contributor

Re: July & August Closers

The house we had our eye on since Febuaary is a new construction and droped in price from 289 to what we got it at 268. Our only hold up was we can not close until after our 3 year foreclosure date.

 

  • Purchase Price:  $268,000
  • Property: Two Story
  • Submitted offer on: 6/01/2012
  • Signed Purchased contract on : 6/05/2012
  • Type of Loan: FHA
  • Loan Rate: 3.75%
  • Loan Application submitted:  5/30/2012
  • Loan approved: 6/01/2012
  • Committment letter received on: Pending Receipt
  • Closing date: Somewhere around 8/27/2012
  • Closed on: Pendng

 

Penfed Visa 10k | Penfed PLOC 25k | Citi Hhonors 10k | Total Rewards Visa $25k | Alliant Visa $15k | Barclays Arrival + $13k | Barclays AAdvantage $5k | Barclays Apple $2.2k | CapOne QS WMC $26.5k | CapOne QS $5k | CapOne Plat $5k | Discover 8.5k | Allegacy Visa $6k | DCU Visa $7.5k | Best Buy Visa $11k | Lowes Store Card $30k | Walmart Store Card $10k | Amazon Store Card $25k
Message 3 of 138
Frequent Contributor

Re: July & August Closers

.

 

  • Purchase Price:  $155,000
  • Property: One Story
  • Submitted offer on: 5/31/12
  • Signed Purchased contract on : 6/04/2012
  • Type of Loan: USDA
  • Loan Rate: 3.75%
  • Loan Application submitted:  6/5/12
  • Loan approved: ??
  • Committment letter received on: Supposed to be prior to 7/2
  • Closing date: 7/20 (hopefully!)
  • Closed on: Pendng

 


 

2/24 (Lender Pull) EQ 613, TU 553, EX 589
April EQ 633, My Fico TU 638, EX ??
Current EQ 643, TU 652, EX 633 (lender pull 5/11)
Goal (we made it!!)- Over 640 middle by 5/15
Message 4 of 138
Valued Contributor

Re: July & August Closers

  • Purchase Price:  $320,000
  • Property: Two Story
  • Submitted offer on: 9/1/2012
  • Signed Purchased contract on : 
  • Type of Loan: USDA
  • Loan Rate: 3.75%
  • Loan Application submitted:  5/29/2012
  • Loan approved: Pending
  • Committment letter received on: 
  • Closing date: 7/31/2012
  • Closed on: Pendng
Message 5 of 138
Contributor

Re: July & August Closers

I'm going for another. Looking to change schools for my kids with a better yard and neighborhood. Will just rent out our old house.

 

  • Purchase Price:  $182,000
  • Property: Single story ranch, 1582 sq/ft + 1540 sq/ft finished daylight basement.
  • Submitted offer on: 6/1/2012
  • Signed Purchased contract on :6/5/12
  • Type of Loan: FHA
  • Loan Rate: 3.50%
  • Loan Application submitted:  5/28/2012
  • Loan approved: 5/29/2012
  • Committment letter received on:
  • Closing date: 7/13/2012
  • Closed on: Pendng

Traditional seller also. Contributing $3500 to closing and home warranty. Haven't done appraisal yet and am expecting it to come back in the 170's so there will probably be another change in terms soon.




Starting Score: 594 (Dec 10, 2010)
Score: 758 (March, 2013
Goal Score: 730 on all (by end of 2012)

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Message 6 of 138
Highlighted
Valued Contributor

Re: July & August Closers

Inspection passed with flying colors yesterday!

 

The inspector said i was lucky to have found such a nice home...

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 7 of 138
Senior Contributor

Re: July & August Closers

That's a neat house Ben! Congrats.
STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 8 of 138
Valued Member

Re: July & August Closers

Very happy to be joining this thread.

 

Found a recently reno-ed ranch in a nice location in the town where I'll be working (not too far from Indy).

 

Not huge, but there's plenty of space for me and my dog. Looking forward to the low payments!

 

  • Asking Price: 123,900
  • Purchase Price: 108,000, plus $1500 seller's assistance (originally 117,500 with 3500 toward closing)
  • Submitted offer on: 5/18/12
  • Signed Purchase contract on 6/8/2012 (renegotiated following lender's appraisal)
  • Type of Loan: USDA Guaranteed / US Bank
  • Loan Rate: 3.75%
  • Loan Application Submitted: 5/14/2012
  • Loan Preapproval: 5/16/2012
  • Closing Date: 7/2/2012 (estimated, with 14 day allowance for USDA underwriting)
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(too dumb to figure out images)
Message 9 of 138
Valued Member

Re: July & August Closers

 

  • Purchase Price:  $350,000
  • Property: Two story, 1878 square feet
  • Submitted offer on: 6/1/2012
  • Signed Purchased contract on :6/4/12
  • Type of Loan: Homebuyer's Choice 100% Financing, (NFCU exclusive)
  • Loan Rate: 5.125%
  • Loan Application submitted:  5/16/2012
  • Loan approved: 5/18/2012
  • Committment letter received on: 6/9/2012
  • Closing date: 7/3/2012
  • Closed on: Pendng

Flipped house/traditional sale being sold as-is.  Passed inspection with minor resolvable issues hopefully to be fixed by seller, (investor).  Just hoping the appraisal comes through.

Message 10 of 138