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November and December Closers

Re: November and December Closers

Ok, updating mine. Smiley Happy

 

Closed: 12/14/12

 

And at a lower rate. Ended up with a 3.12%!

 

Easiest mortgage we have ever done. Fast, friendly, and most importantly, on time!

Message 41 of 55
Regular Contributor

Re: November and December Closers


smileyedna wrote:

You can't claim to close before the closing date! Smiley Wink


uhh,  that's close not closedSmiley Wink

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

Message 42 of 55
New Member

Re: November and December Closers

Well, this is what I get for teasing you (and I hope you closed on time!!!)  My closing on the 18th has been delayed by at least two days.  The owner's agent forgot to turn the water on for the FHA appraiser. Waiting today to hear something.

699 EQ
721 EXP
711 TU
Message 43 of 55
Regular Contributor

Re: November and December Closers

Just teasing back.. I know.this can be a stressful time. We did close on time. And hopefully you will close soon as well.
FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

Message 44 of 55
New Member

Re: November and December Closers

Not closing tomorrow either.  The LO called me today and told me the septic passed appraisal today.  It made me wonder WHY they waited until after the first closing date to appraise the septic system.  We haven't heard from the FHA appraiser and the IRS keeps kicking back one of my return transcript requests (third time!)  

 

Again I find myself super frustrated, ready to walk away and feel like I'm being manipulated by the LO and my agent to hang in there for a tenuious future date. I've survived a tornado and a hurricane this year plus two job losses I have had enough BS this year to last a decade, I am not in the mood for this, lol.

 

Smiley MadSmiley IndifferentSmiley FrustratedSmiley Sad

699 EQ
721 EXP
711 TU
Message 45 of 55
New Contributor

Re: November and December Closers

  • Purchase Price:  $155k
  • Property: SFH
  • Submitted Offer on: 11/03
  • Signed Purchased Contract on :11/04
  • Type of Loan: FHA WELLS FARGO
  • Loan Rate: 3.25%
  • Loan Application submitted:  11/4/12
  • Loan Approved: 11/19/2012 with minor conditions
  • Closing Date: 12/14
  • Closed On: 12/21 !!!
Message 46 of 55
New Contributor

Re: November and December Closers

  • Purchase Price:  $153k
  • Property: SFH -2600 sq ft - 
  • Submitted Offer on: 9/29/2012
  • Signed Purchased Contract on :  10/2/2012
  • Type of Loan: FHA
  • Loan Rate: 3.25
  • Loan Application submitted:  10/4/12
  • Loan Approved: 12/11/2012 conditions
  • Closing Date: November 30th
  • Closed OnSmiley Very Happyecember 21st
Message 47 of 55
Valued Member

Re: November and December Closers

  • Purchase Price:  $213k
  • Property: SFH - 1500 sq ft
  • Submitted Offer on: 8/20/12
  • Signed Purchased Contract on : 8/22/12
  • Type of Loan: Conventional
  • Loan Rate: 3.50%
  • Loan Application submitted:  9/10/12
  • Loan Approved: 10/4/12
  • Closing Date: November 26th
  • Closed On:  Novebmer 26th!

Just an update I had a very smooth and on-time closing!  My realtor was still in shock up until we met with the attorney given that I had a short sale a little over 2 years ago.  It was tough finding a lender who would work with me but I'm excited it worked out and I love my new home!

 

Message 48 of 55
New Member

Re: November and December Closers

Closing in 45 min, 11 days and two hours late, five false closings, the whole thing has been a nightmare. My son and I have the flu. I will be so happy to have this garbage over with, I swear the stress was going to give me a heart attack! Hooray, I didn't keel over Smiley Happy
699 EQ
721 EXP
711 TU
Message 49 of 55
Frequent Contributor

Re: November and December Closers

For all of you Wells Fargo FHA's, what were your closing costs like?

Message 50 of 55