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Kozmo, May I ask if you are using FHA? I'm just curious to know the time line. How long after you submit the application did you get approval?
Those who are going FHA, how long were you took you had to wait til settlement? Don't know if it's the norm but I was told 45-60 from approval.
Took us a total of 45 days, it could have been quicker if we had less time but I jumped on it as soon as we were 45 days out to make sure we had zero delays. We got our clear to close almost 2 weeks before our closing day.
I asked my broker should we include the Letter of explanation for any credit issues since my BK was discharged just 2.5 years ago and he was like "they'll most like ask for it but let just wait till they ask for it." I have a feel that this will slow everything down. So fustrated...
That wont slow anything down, when you get your approval your gonna have conditions and an LOE they ask for will just be another one.
I'm relieved to hear that...
Congrats! What were your credit scores when you applied? Did you have any baddies on your report? I'm looking to apply soon but I have to fix my credit first and improve my scores i think.