March and April closers

[ecalmese]

I'm going to pray all night because Lord Willing...if everything goes smooth tomorrow; it will be one of the biggest events to ever happen in my life. I want to thank every member on this site; you have all helped me so much. I've grown so much in just a year, I am now able to achieve a lifelong dream.

Thank you

[Eezm33]

refi on my property. 2.40% 5 year  ARM with zero points. 760 creditt

[BaileyMae]

I was going to put my appraisal on my credit card and my LO said that would be fine. It was $350. For some reason the cc didn't go through so I paid with my debit card. The next day was my inspection. It was $300. I figured I'll use my cc for that. Went through just fine.

My Citi card reported this week.... 29 point drop in my EQ score. I'm kinda annoyed by it. It was at 750 but that was my highest score. 728 was my middle so I'm guessing it'll be hovering around the low 700s when the pull before close. I'm going FHA so I'm hoping it doesn't throw anything outta wack.

My appraisal is in, and the sellers have agreed to all my fixes in my request to remedy. Now I wait....

[Down_2Bizness]

Purchase Price: $169,900
· Property: SFH - 2862 sq ft
· Submitted Offer on: 1/29/14
· Signed Purchased Contract on : 2/4/14
· Home Inspection: 02/12/2014
· Type of Loan: 30 Yr Fixed FHA
· Loan Rate: 4.25%
· Loan Application submitted: 1/20/14
· Loan Approved: 2/6/2014
· Appraisal ordered, Property Insurance obtained: 2/11/14
· Final Approval: 3/5/14
· Closing Date: 4/1/14
· Closed On: 3/14/14

[alexhortdog]

Well....here's more to our saga....

Sellers agreed to fix the roof.  Still waitin on that, LOL.

Had our homeowner's inspection.  A few things that need to be fixed, they have till end of week to get them resolved or talk to us about them.

Also, had a Radon test done.  Yeah.....gonna need a mitigation done as well, I believe.

Sigh......

[CelesteR]

I'm a nervous wreck! I'm so worries something will go wrong and my loan will be denied.

• Purchase Price:  $75,000
• Property: SFH - 1886 sq ft 
• Submitted Offer on: 03/10/14
• Signed Purchased Contract on : 3/12/14
• Home Insection: 03/17/14
• Type of Loan: 30 Yr USDA
• Loan Rate: 4.65%
• Loan Application submitted: 03/14/14
• Loan Approved w/Conditions: 
• Appraisal ordered, Property Insurance obtained: 
• Aprraisal and Survey completed and passed 
• Final Approval: 
• Closing Date: tentative for Monday 04/21/14
• Closed On:

[alexhortdog]

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@CelesteR wrote:

I'm a nervous wreck! I'm so worries something will go wrong and my loan will be denied.

• Purchase Price:  $75,000
• Property: SFH - 1886 sq ft 
• Submitted Offer on: 03/10/14
• Signed Purchased Contract on : 3/12/14
• Home Insection: 03/17/14
• Type of Loan: 30 Yr USDA
• Loan Rate: 4.65%
• Loan Application submitted: 03/14/14
• Loan Approved w/Conditions: 
• Appraisal ordered, Property Insurance obtained: 
• Aprraisal and Survey completed and passed 
• Final Approval: 
• Closing Date: tentative for Monday 04/21/14
• Closed On:

---

No need to be a nervous wreck!  You can't control what the underwriter does, so, just hope and pray that he/she does their due dilligance in regards to your file and such.

[alexhortdog]

More on my own personal house saga

Seller has repaired the roof and getting the gutters fixed.  We now are awaiting their decision on the inspection conditions.  A radon mitigation will be necessary, as the house tested over the 4.0 PicoCuries (or whatever that measurement is).

We don't want to glow in the dark

Still on track to close on 4/10, hopefully. 

Of course, my concern is always underwriting.  Hopefully, I've explained enough, and have done enough to appease the underwriter on our loan.

[CelesteR]

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@alexhortdog wrote:

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@CelesteR wrote:

I'm a nervous wreck! I'm so worries something will go wrong and my loan will be denied.

• Purchase Price:  $75,000
• Property: SFH - 1886 sq ft 
• Submitted Offer on: 03/10/14
• Signed Purchased Contract on : 3/12/14
• Home Insection: 03/17/14
• Type of Loan: 30 Yr USDA
• Loan Rate: 4.65%
• Loan Application submitted: 03/14/14
• Loan Approved w/Conditions: 
• Appraisal ordered, Property Insurance obtained: 
• Aprraisal and Survey completed and passed 
• Final Approval: 
• Closing Date: tentative for Monday 04/21/14
• Closed On:

---

No need to be a nervous wreck!  You can't control what the underwriter does, so, just hope and pray that he/she does their due dilligance in regards to your file and such.

---

My loan officer sent me a break down of how everything will go now. He send in my application Friday and expected us to get the initial approval next week. Then here's what he said from there. "After the initial approval the underwriter will condition the file. This means if he/she has additional questions or requires more information we will have to provide this and once we do it will go back to underwriting for the final clear to close. I like to be sure that I address these questions within 3 days. Once we have a clear to close it then goes to the USDA for their review. This can take a few days as well, right now they are taking 10 days to review files. After they review the file and return it will take an additional 3 days to close." 

[ecalmese]

I closed!!!!!!