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Let my journey begin..Update... Approval with conditions

New Contributor

Re: Let my journey begin...Update going to underwriting.

I am somewhat nervous. I spoke with LO and she said my file looks good and to not worry. I got my pre-approval manually approved, so technically I should be good. However, I am still concerned for the what if. Hopefully, we hear back by the end of this week. I am ready to get my keys and start moving. Smiley Happy


Starting Score: EQ 613
Current Score: EQ 632 TU 647
Goal Score: 700


Take the FICO Fitness Challenge
Message 21 of 29
Regular Contributor

Re: Let my journey begin...Update going to underwriting.

Keep your head up! You will hear something soon!!Smiley Happy

Current FICOs (Sept 2015) EQ: 666 TU: 663
Message 22 of 29
New Contributor

Re: Let my journey begin...Update going to underwriting.

Will do! I keep saying to myself "only a few more days".

 

Thank you!


Starting Score: EQ 613
Current Score: EQ 632 TU 647
Goal Score: 700


Take the FICO Fitness Challenge
Message 23 of 29
New Contributor

Re: Let my journey begin..Update... Approval with conditions

This morning I received email from LO. Approved with conditions as follows:

 

rental verification (not sure why that hasn't already been completed)

copy of DH ss card (not sure why copy is needed since he is not loan)

copy of cc statements and auto loan since they where paid off

LOE for inquiry made from first LO I started with.

 

Conditions should be sent in tomorrow. I am almost there. ahhhhh!!

 

 

 

 


Starting Score: EQ 613
Current Score: EQ 632 TU 647
Goal Score: 700


Take the FICO Fitness Challenge
Message 24 of 29
Regular Contributor

Re: Let my journey begin..Update... Approval with conditions

Wow... Easy conditions! I hope mine are that easy!!
Current FICOs (Sept 2015) EQ: 666 TU: 663
Message 25 of 29
Regular Contributor

Re: Let my journey begin..Update... Approval with conditions

Yep getting close! Glad to see nothing to major to come up with. I had to provide a few bank statements yesterday and today with LOE's on a few deposites. Got the Clear to close a few hours later! We are closing on the 28th!

Message 26 of 29
New Contributor

Re: Let my journey begin..Update... Approval with conditions

They sure where easy conditions. I got the clear to close yesterday. I should be signing tomorrow and funding should happen Thursday morning and keys in the evening. I changed utilities over on Monday. I could not believe it. I am still in shock.

 

Just a few more days and I'll be a homeowner. Smiley Happy


Starting Score: EQ 613
Current Score: EQ 632 TU 647
Goal Score: 700


Take the FICO Fitness Challenge
Message 27 of 29
Regular Contributor

Re: Let my journey begin..Update... Approval with conditions

Ahh the home stretch! Congrats!

Message 28 of 29
Valued Member

Re: Let my journey begin..Update... Approval with conditions

Congrats!!!! Read your other post as well as these...Would you mind sharing who you went through for the loan? I'm planning on applying on the 1st of October my scores are almost identical to yours....Thanks!

Message 29 of 29