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Home Location: Kyle, TX (just outside of Austin, TX)
Purchase Price: $154,000.00
Property: House - 2043 sq ft :: Guest House - 1,010 sq ft
Submitted Offer on: 1/19/2015
Signed Contract on: 1/23/2015
Ernest (Deposit) Money: $1570
Lender Name: SECURITY NATL MORTGAGE then PRNM Mortgage Now: iMortgage
Notes about Lender: Three lenders later, I just want it all to be over! [PRNM were not communicative, took over 28 days to receive an appraisal; we left them to go to iMortgage]
Type of Loan: Conventional 30-year fixed - 5% Down
Inspection: Completed 1/29/2015-Minor things ($1K for termite treatment), Seller conceded to pay $1K in closing
Purchase contract addendums: Curtains in home go to seller, leaseback through April 15, seller contribution to closing
Loan Rate: 4.0175%
Application submitted: SEVERAL times in different offices
Loan Processing: Who knows?
Mortgage Commitment Letter:
Appraisal Ordered: Several times over
Appraisal Completed: 3/6/15 --> FINALLY
Went to underwriting: 3/23/2015-after gift letters, divorce decree issuance, etc
Underwriting Complete: PENDING
Final Approval:
Walk Through: No such thing
Closing Date: Scheduled for 3/25/15 but realistically, Im counting on 3/27
WOOHOOO!!!! Got the clear to close. Closing tomorrow at 4. I am quietly doing the happy dance at my desk at work.
Closed!!!!!!!!!!!!!!!!!!
And the wife and I ate half of the candy in the candy bowl in the conference room. Ha
@wagsk1 wrote:Closed!!!!!!!!!!!!!!!!!!
And the wife and I ate half of the candy in the candy bowl in the conference room. Ha
Congratulations!!!!!
Soooo, just got a call from my realtor. The sellers are not available tomorrow to sign the paperwork. So we can either sign at 4 tomorrow (and wait to get our keys Thursday) or wait until Thursday when the seller is available and sign then. Seriously!!!! I had to laugh and told her that is just how things go with us.
Great stories on this thread!....and some of the frustrating strories are easy to relate to...
Anyway, we closed on a home in SoCal yesterday!! What uuuuup?! Finally!! Escrow is definitely a lesson in PATIENCE.
Congrats to all March closers!!
Ok we got the 830am call this morning from my L.O. WE ARE USDA APPROVED AND WILL CLOSE 3/31/15
@Anonymous wrote:Ok we got the 830am call this morning from my L.O. WE ARE USDA APPROVED AND WILL CLOSE 3/31/15
Congratulations!!! We are headed over to our closing in about an hour!!
Home Location: Upstate NY
Purchase Price: $135,000
Property: Townhome - 1800 sq ft
Submitted Offer on: 01/23/2015
Signed Contract on: 01/24/2015
Ernest (Deposit) Money: $1000
Lender Name: Quicken Loans
Notes about Lender: Friendly and easy to work with
Type of Loan: FHA
Inspection: 1/31/2015
Purchase contract addendums: 02/07/2015
Loan Rate: 3.99
Application submitted: 02/05/2015
Loan Processing:
Mortgage Commitment Letter: 2/23/2015
Appraisal Ordered: 02/06/2015
Appraisal Completed: 02/11/2015
Went to underwriting: 02/06/2015
Underwriting Complete: 3/20/2015
Final Approval: 03/25/2015
Walk Through: 03/27/2015
Closing Date: Scheduled for 03/27/2015
Got the clear to close today. Final walk through Friday at 12:00 pm and closing is scheduled for 1:00 pm. Fingers crossed.
We have closed!!!!! Seller signing tomorrow at 10, house is officially ours at 10:30. We already have keys!!! So glad this stressful mortgage journey is over. Our first stop was home depot when we left the title company. LOL Can't wait to hear everyone's elses journey ending in closed!!