November 2013 Closers!!!

[Mzvanessa]

• Home Location: Upper Marlboro, MD
• Purchase Price:  $230,000
• Property: SFH - 1956 sq ft - excluding basement
• Submitted Offer on: Sept 28th

• Builder’s Name: N/A

• Start of construction: N/A
• Signed Purchased Contract on ct 3rd
• Lender Name: Navy Fed Credit Union 

• Notes about Lender:  I love my lender.

• Type of Loan: FHA 30 Yr Fixed
• Loan Rate:3.875 (locked 11/5/2013)
• Loan Application submitted:  08/28/13
• Loan Approved w/conditions: 11/05//13
• Final Approval: TBD
• Appraisal Ordered: New FHA  11/05/2013
• Appraisal Completed: ?
• Closing Date: 11/22
• CLOSED: 

[lots_of_baddies]

EDIT: Well I obviously didn't closed on the 12th, I got the HOI on the 12th and signed an extension on the sales contract for closing on the 19th. Yesterday I got an email from the underwriter saying she sent the loan to a second review, LO said not to worry that I may get the final approval today, keeping fingers crossed and checking my email every 30 seconds pretty much :/

Finally!!!

Home Location: Laredo, TX
Purchase Price: $110,000
Property: Townhome - 1,209 sq. ft.
Submitted Offer on: Sept. 28th
Offer Accepted on: Sept. 28th
Signed Contract on : October 1st
Lender Name: JPMorgan Chase
Type of Loan: FHA 30 Yr Fixed
Loan Rate: 4.3755
Loan Application submitted: October 5th
Final Approval: October 30th
Closing Date: NOVEMBER 12th !!!!!!
CLOSED:

[krenee2525]

Signed all the docs....now waiting for the certificate of occupancy and the loan to be funded

Home Location: North Dallas Area
Purchase Price: $188,445
Property: SFH - 1610 sq ft
Submitted Offer on: April 16th
Builder’s Name: Cheldan Homes (small private builder)
Start of construction: June 19th
Signed Purchased Contract on : April 16th
Lender Name: SWBC Mortgage
Notes about Lender: Preferred lender for Cheldan Homes. didn't want to lower my rate after my lock expired
Type of Loan: USDA 30 Yr Fixed
Loan Rate:4.125
Loan Application submitted: 07/26/13 - SWBC, 7/30/13 - USDA
Loan Approved w/conditions: 8/21/13
Final Approval: 8/29/13
Appraisal Ordered: 7/31/13
Appraisal Completed: TBD
Closing Date: November 6, 2013
CLOSED: November 6, 2013

[MindKntrl]

• Home Location: Atlanta, GA
• Purchase Price:  $193,000
• Property: SFH - 4105 sq ft
• Submitted Offer on: August 2nd

• Builder’s Name: DR Horton

• Start of construction: 2011
• Signed Purchased Contract on : August 26th
• Lender Name: Citibank / NACA
  

• Notes about Lender:  They were reasonable

• Type of Loan: FHA 30 Yr Fixed
• Loan Rate: 3.75 (but I bought it down to 1.75) September 12th
• Loan Application submitted:  September 12th
• Loan Approved w/conditions: September 13th (with conditions)
• Final Approval: October 10th
• Appraisal Ordered: October 17th
• Appraisal Completed: October 24th
• Closing Date: November 6th
• CLOSED:  November 6th
  
  WOO HOOOO!!!!!!

[MindKntrl]

• Home Location: Atlanta, GA
• Purchase Price:  $193,000
• Property: SFH - 4105 sq ft
• Submitted Offer on: August 2nd

• Builder’s Name: DR Horton

• Start of construction: 2011
• Signed Purchased Contract on : August 26th
• Lender Name: Citibank / NACA
  

• Notes about Lender:  They were reasonable

• Type of Loan: FHA 30 Yr Fixed
• Loan Rate: 3.75 (but I bought it down to 1.75) September 12th
• Loan Application submitted:  September 12th
• Loan Approved w/conditions: September 13th (with conditions)
• Final Approval: October 10th
• Appraisal Ordered: October 17th
• Appraisal Completed: October 24th
• Closing Date: November 6th
• CLOSED:  November 6th
  
  WOO HOOOO!!!!!!

[Gladius]

How in the world did you get a 1.75 rate?!

[MindKntrl]

As stated, it started off at 3.75, but NACA allows you to buy your rate down..

I bought it down a full 2 percentage points..  landing me @ 1.75%

[basballguy]

---

@MindKntrl wrote:

As stated, it started off at 3.75, but NACA allows you to buy your rate down..

@I bought it down a full 2 percentage points..  landing me @ 1.75%

---

In all fairness, your post didn't say NACA until you edited it.

[Snickerdoodle24]

Got our official clear to close yesterday!!!

Home Location: Galion, OH
Purchase Price: $102,500
Property: SFH - 2784 sq ft
Submitted Offer on: July 19
Builder’s Name: N/A
Start of construction: N/A
Signed Purchased Contract on : July 21
Lender Name: Hallmark Home Mortgage
Notes about Lender: One of the sweetest and most helpful ladies I have ever met. I am going to miss her when this is all over!
Type of Loan: USDA 30 Yr Fixed
Loan Rate:4.575 Lock was extended during the shutdown
Loan Application submitted: 09/04/13
Loan Approved w/conditions: 09/11/13
Final Approval: TBD
Appraisal Ordered: 09/14/13 and again 10/20/13 due to deficiencies with exterior paint.
Appraisal Completed: see above
Closing Date: 11/20 UPDATE moved up to 11/14
CLOSED:

[akomayaa]

• Home Location: York County, SC
• Purchase Price:  $143,000
• Property: SFH - 2019 sq Ft
• Submitted Offer on: March 9th
• Builder’s Name: True Homes
• Start of construction: September 9th
• Signed Purchased Contract on : March 9th  - Long Story
• Lender Name: Bank of North Carolina
• Notes about Lender:  My LO is okay
• Type of Loan: FHA 30 Yr Fixed
• Loan Rate:4.000% October 25th
• Loan Application submitted:  June 10th
• Loan Approved w/conditions: June 12th
• Final Approval: November 14th 
• Appraisal Ordered: Sometime in July
• Appraisal Completed: July
• Closing Date: November 22nd
• CLOSED: CAN’T WAIT!!!

[lots_of_baddies]

Home Location: Laredo, TX
Purchase Price: $110,000
Property: Townhome - 1,209 sq. ft.
Submitted Offer on: Sept. 28th
Offer Accepted on: Sept. 28th
Signed Contract on : October 1st
Lender Name: JPMorgan Chase
Type of Loan: FHA 30 Yr Fixed
Loan Rate: 4.375
Loan Application submitted: October 5th
Final Approval: October 30th
Closing Date: NOVEMBER 12th !!!!!!
CLOSED: November 19th @ 10:00 AM. / they originally set the appointment at eleven but then changed to 10 am, seller went to the title company @ eleven so they will give me the keys later today (I had to return to work)