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Frequent Contributor
Posts: 279
Registered: ‎07-20-2014
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Re: Let get this home building on the way


Dvasil wrote:
Well we finalized our options and colors today. We decided to pay cash to add hardwood to entire main level (5k seemed like a decent deal IMO) we didn't want to worry about appraisal issues so we decided to pay this chunk our selves. Now nothing left to do but wait for permits to come in and for approval from LO.

Excellent!  That's what I'm waiting on also.

Current - FICO 8/2017: EX(764); EQ(742); TU(710)
Beginning - FICO 7/2014: EX(630); EQ(608); TU(581)
Current Mortgage FICO - EX(739); EQ(730); TU(707)
Credit: Wells Fargo Home Projects Charge Card ($7,800); Wells Fargo Home Rebate Visa ($4,000); Capital One Quicksilver ($6,000); Capital One Venture ($5,500); Discover it ($3,600); Macy's ($20,000); BrandsMart ($4,000); Banana Republic ($1,200); Lowes ($12,000); Amex Everyday ($27,000); Macy's Amex ($14,000)
Regular Contributor
Posts: 213
Registered: ‎02-24-2017

Re: Let get this home building on the way

Well were off to underwriter, expected response by next Friday!
Frequent Contributor
Posts: 447
Registered: ‎03-13-2017
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Re: Let get this home building on the way

Yay! Good luck!

FICO8 Scores - 625TU / 640EQ / 649EX
On Mortgage Journey
Starting Mortgage Scores (Feb 17) 523EQ / 547TU / 564EX
Mortgage Scores Aug 17 624EQ / 649TU / 650 EX
Frequent Contributor
Posts: 447
Registered: ‎03-13-2017
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Re: Let get this home building on the way

Where is everyone at in their process? Any updates? 

 

I sent an email to the builder's agent yesterday to see when we should expect to have our pre-construction meeting. We then have to finalize the floorplan. I drove by the lot yesterday and all the dirt and debris had been cleared. As far as we know construction is still set to start in May. 

FICO8 Scores - 625TU / 640EQ / 649EX
On Mortgage Journey
Starting Mortgage Scores (Feb 17) 523EQ / 547TU / 564EX
Mortgage Scores Aug 17 624EQ / 649TU / 650 EX
Frequent Contributor
Posts: 481
Registered: ‎09-30-2016
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Re: Let get this home building on the way

Drove by yesterday to show a coworker as we were on our way to lunch.  The dudes were there putting in the cabinetry throughout!!!  Walls are painted and the flooring is supposed to be started this week too (have to wait until after cabinets are all in).

 

Brick is COMPLETE including my 2 porches which I paid to have bricked instead of just concrete slab. 

 

Lender has reached out; about to order appraisal and asked for updated statements etc per expected.  Waiting on construction manager to give me a pre date for walk through so lender can determine when I should lock.  Pulling credit again today (set to expire on the 14th) as my mortgage scores are all over 700 according to myFico so hopefully this translates into a little better rate! 


In second year post 13 DC (12-28-15)
Entered garden 05-19-2017 CLOSED ON MY NEW HOUSE 5/17/17!!!!

Current Scores FICO 8: 693/677/687 Updated: August 2, 2017
Goal: 730's across the board
Frequent Contributor
Posts: 481
Registered: ‎09-30-2016
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Re: Let get this home building on the way

UPDATE SINCE THIS MORNINGS REPLY: 

 

APPRAISAL ORDERED!  WOOHOO!


In second year post 13 DC (12-28-15)
Entered garden 05-19-2017 CLOSED ON MY NEW HOUSE 5/17/17!!!!

Current Scores FICO 8: 693/677/687 Updated: August 2, 2017
Goal: 730's across the board
Regular Contributor
Posts: 213
Registered: ‎02-24-2017
0 Kudos

Re: Let get this home building on the way

No change here yet, still waiting on permits and approval
Frequent Contributor
Posts: 279
Registered: ‎07-20-2014
0 Kudos

Re: Let get this home building on the way

They still haven't even graded my lot yet. Smiley Sad  I have a feeling they won't have the house done in time for an end of July closing.

Current - FICO 8/2017: EX(764); EQ(742); TU(710)
Beginning - FICO 7/2014: EX(630); EQ(608); TU(581)
Current Mortgage FICO - EX(739); EQ(730); TU(707)
Credit: Wells Fargo Home Projects Charge Card ($7,800); Wells Fargo Home Rebate Visa ($4,000); Capital One Quicksilver ($6,000); Capital One Venture ($5,500); Discover it ($3,600); Macy's ($20,000); BrandsMart ($4,000); Banana Republic ($1,200); Lowes ($12,000); Amex Everyday ($27,000); Macy's Amex ($14,000)
Regular Contributor
Posts: 213
Registered: ‎02-24-2017

Re: Let get this home building on the way

Once they get going dragon they will be able to make up any lost time
Valued Member
Posts: 48
Registered: ‎03-01-2017

Re: Let get this home building on the way

Drove past mine today - I have a foundation.

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