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Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

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
deg757
Posts: 118
Registered: ‎08-13-2012

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
Dustink
Posts: 2,980
Registered: ‎10-02-2012

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:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Regular Contributor
deg757
Posts: 118
Registered: ‎08-13-2012

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
scmami
Posts: 195
Registered: ‎01-05-2012

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
deg757
Posts: 118
Registered: ‎08-13-2012

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!
Frequent Contributor
frugalQ
Posts: 479
Registered: ‎03-23-2012

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?
Capital One Platinum 0/2.5K - AmEx Green NPSL - Amex Hilton HHonors Surpass 0/7K - Amex BCP 0/8.5K - Chase Freedom 0/3K - Discover IT 0/6.5K - LOC 0/2.5K
Regular Contributor
deg757
Posts: 118
Registered: ‎08-13-2012

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
indecison
Posts: 226
Registered: ‎05-24-2012

Re: My home buying thread!!

Glad to see you closed! Congrats!

Regular Contributor
deg757
Posts: 118
Registered: ‎08-13-2012

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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