@Aprile421 wrote:Got my official close date which is 06/28/16 exactly 20 days from signing purchase agreement and sending in loan app on a FHA much faster than I ever thought it would be. I had posted here in another post asking if they could really close me in 30days and if all goes well I can answer my own question
Same here! Just got an email stating we're clear to close on our Closing Date of June 28th. Having a good LO and all your ducks in the row really helps make the process super easy.
I agree! This board has helped me more than I can express. Because of the advice I have gotten here. I was able to have things ready before they even asked for them. My LO told me today I had the perfect application and documentation. She said she had never had anyone pro actively send her answers to questions she hadn't even asked yet.
Example: They wanted my April-May bank statements. I knew I had deposits on there they would question so I went ahead wrote a letter of explanation with copies of the deposit slips and included them with my bank statements so they did not have to waste time asking me. Another thing I did was created an advance paper trail for my easnest money and downpayment funds. I knew that in order to write a check for my earnest money and downpayment I had to move the cash from my savings to my checking account. I provided her with my savings account page with running total and transactions to show the money was in my savings account, the transfer made to my checking account, a copy of my checking running transactions with the dates showing transfer of funds into the checking from my savings and the cleared earnest check with copies of both sides of check.
I have learned a lot in this process and to say getting a mortgage is overwhelming is an understatement. But in the long run it is worth every headache.
Sending you ~*~ clear to close ~*~ vibes Chickenpotpie 
Exciting so many of you are getting ready to close here soon!
I'm *still* waiting for UW. I'm starting to feel pessimistic about the whole thing.. my stuff is very cut and dried, one job I've had for 6 years, one bank account, one 401(k), no baddies, I'm under the DTI not by loads but I *am* under, credit scores hovering around 700... I turned in *everything* I could think of and have been sending in updated statements as I get them so I'm like.. this should be an easy UW determination, either I do or I don't. Not sure why the delay in some kind of answer... earlier in the week my LO said she was pretty sure they'd be done by the end of the week, she feels confident, told me very rarely does she have a denial.. but...lol (I'm a big worrier anymore)
Hope everyone has a great weekend, I'm going to have some wine, go to the Pride parade, and try not to think about this whole house thing!
holdendh, here's hoping we both hear something today! I was told "the week of the 27th" but my realtor is trying to get it the 27th. I don't think that's going to happen at this point lol (because I have the OHFA to get through too, which usually takes a couple days after UW is done from my understanding) but hopefully that week is doable if everything comes back okay from UW.
Approved!!
but we need a second appraisal because it was a flip. Oh well, least I know it's gonna happen lol might push closing back a bit though. But WOOHOO!!
