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May Closers!

Contributor

Re: May Closers!

Sitting on pins and needles.Worried that something will go wrong at the last minute.            

              

*Purchase price $125,000.00

*1700 sq ft.

*Submitted offer on May 5th

*Type of loan:FHA 30 year fixed

*Loan application submitted April 25th 2013

*Appraisal Ordered: May 10th

*Appraisal Completed: May 15th

*Closing Date: May 31st

*Closed on:May 31st 



Starting Score: 553(EQ) 572 (TU) 586(EX) (EQ Complete Advantage)
Current Score: 572
Goal Score: 640


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New Member

Re: May Closers!

Been lurking forever. Finally close tomorrow on my home at noon. Can't wait. Did my research here and on the web. Keep making those calls to lenders. I was approved for a mortgage with a low 600 score. (Before the haters jump in... I am financially responsible. My score is due to medical collections for my son which were extensive, and are all PIF. Please take your bad remarks on my score elsewhere). I am proof that it can be done. Will refi into a conventional hopefully by the end of the year.

Purchase Price: $278500
Property: SFH 3253 sq ft
Submitted Offer on: 4/12/13
Signed Purchased Contract on : 4/15/13
Type of Loan: 30 Yr FHA
Rate: 3.75
Pre-approved: 4/10/13
Loan Application submitted: 4/18/13
Loan Approved w/Conditions:5/16/13
Final Approval:5/20/13
Appraisal Ordered:5/16/13
Closing Date: 5/22
Closed on:tomorrow at noon!
2/19/13-ex593 eq-551 TU-541
3/22/13-ex619 EQ-555 TU-559(TU 04) TU98 here is 595
All lender pulls.
All Collections paid.0 debt besides car loans.2 removals thus far.
Contributor

Re: May Closers!

Congrats Livingthedream,enjoy your new home!



Starting Score: 553(EQ) 572 (TU) 586(EX) (EQ Complete Advantage)
Current Score: 572
Goal Score: 640


Take the myFICO Fitness Challenge
New Contributor

Re: May Closers!

Congrats on the home. I don't think you have to be defensive with your scores on this site. If there is one thing we all have in common it is that most of us were in your shoes at one time or another and that is what drew us to this wonderful site.
New Member

Re: May Closers!

Thanks for the nice comments!!!!. This site has been great, with great people. I was referring to the seldom few that say not to purchase with low scores, or that it is not possible.
It is much appreciated. Managed to get the scores up to 611,612,657 on the last pull today (lender pulls)
2/19/13-ex593 eq-551 TU-541
3/22/13-ex619 EQ-555 TU-559(TU 04) TU98 here is 595
All lender pulls.
All Collections paid.0 debt besides car loans.2 removals thus far.
Regular Contributor

Re: May Closers!

Good work Livingthedream!!  I am supposed to close this Friday, just waiting to hear back from our lender.  I hope to refinance as well next year.  Our house went up 40k since we signed a purchase agreement last summer.  I am hoping that the trend continues upward for all of us!


Starting Score:2/1/16 565
Current Score: 3/1/16 575
Lender Mid Score: 3/1/16 575

Goal Score: 700


Take the FICO Fitness Challenge