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Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
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Re: My home buying thread!!


deg757 wrote:

I am about to have a nervous breakdown. For whatever reason I still don't have the final HUD statement. We are closing before the banks open tomorrow so I have to be at the bank by 3:30 today to get my money. It is almost 10:00 now. What is taking so long???????


I would call the realtor and the LO to speed up the process.... Closing day is a big payday for everyone involved so trust me the want to get this done just as bad as you do.

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Regular Contributor
Posts: 118
Registered: ‎08-13-2012
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Re: My home buying thread!!

A call to the realtor took care of it. I got the HUD. Headed to get the certified check now. Now that I am forking out almost $10K I am sick to my stomach. I will get over it as soon as I have my keys I'm sure. I'm really excited for the walkthrough that is in an hour. I haven't seen the house since the inspection.

 

Thanks for all the support everyone. I really appreciate it.

Starting scores 2/27/12 TU 605 EX 576 EQ 560
Current scores lender pull 9/6/12 TU 663 EX 629 EQ 645
Closed on our first home 10/26/2012!
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: My home buying thread!!


deg757 wrote:

A call to the realtor took care of it. I got the HUD. Headed to get the certified check now. Now that I am forking out almost $10K I am sick to my stomach. I will get over it as soon as I have my keys I'm sure. I'm really excited for the walkthrough that is in an hour. I haven't seen the house since the inspection.

 

Thanks for all the support everyone. I really appreciate it.


Congrats. It will all be worth it in the end!

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Regular Contributor
Posts: 118
Registered: ‎08-13-2012
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Re: My home buying thread!!

Closing is in 40 minutes. I am so nervous and excited!

Starting scores 2/27/12 TU 605 EX 576 EQ 560
Current scores lender pull 9/6/12 TU 663 EX 629 EQ 645
Closed on our first home 10/26/2012!
Regular Contributor
Posts: 195
Registered: ‎01-05-2012
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Re: My home buying thread!!

Excited for you! I cannot WAIT to be in your shoes in a couple of weeks!
Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.
Regular Contributor
Posts: 118
Registered: ‎08-13-2012
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Re: My home buying thread!!

We closed. No problems. I can't believe it!!

Starting scores 2/27/12 TU 605 EX 576 EQ 560
Current scores lender pull 9/6/12 TU 663 EX 629 EQ 645
Closed on our first home 10/26/2012!
Valued Contributor
Posts: 1,622
Registered: ‎03-23-2012
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Re: My home buying thread!!

Congratulations!!!

It's interesting that they required you take your loan out of deferment.

FHA usually doesn't count deferred student loans towards DTI. It's good for you in the long run, but I just find it interesting.

Did FHA change their guidelines recently?
AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Regular Contributor
Posts: 118
Registered: ‎08-13-2012
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Re: My home buying thread!!

They weren't on deferral, they were on forbearance. Apparently that matters.
Starting scores 2/27/12 TU 605 EX 576 EQ 560
Current scores lender pull 9/6/12 TU 663 EX 629 EQ 645
Closed on our first home 10/26/2012!
Regular Contributor
Posts: 226
Registered: ‎05-24-2012
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Re: My home buying thread!!

Glad to see you closed! Congrats!

Regular Contributor
Posts: 118
Registered: ‎08-13-2012
0

Re: My home buying thread!!

Thanks everyone for all the advice and support. It means a lot. Our sellers are due to be out of the house by 5:00 today and then its all ours. We are planning to eat pizza on the dining room floor tonight. I'm really excited about that!

Starting scores 2/27/12 TU 605 EX 576 EQ 560
Current scores lender pull 9/6/12 TU 663 EX 629 EQ 645
Closed on our first home 10/26/2012!
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