OCTOBER 2013 CLOSERS !!

[Cracka]

@adumax my lender is Residential mortgage service (RMS) and my LO was also very friendly and helpful.

[armywifelong03]

UPDATED!

IF we close on time, we will be October closers by the skin of our teeth!

• Location - Fort Worth/Saginaw, TX area
• Purchase Price:  $182,000
• Property: 2477 sq ft
• Submitted Offer on: 09/24/2013
• Start of construction:N/A
• Signed Purchased Contract on : 09/25/2013
• Type of Loan: VA loan
• Loan Rate:4.25% locked 9/26/13
• Loan Application submitted: 9/26/13
• Loan Approved w/Conditions:  10/8/2013
• Final Approval: 10/11/2013
• Appraisal Ordered: 9/26/13
• Appraisal Completed:10/2/2013
• Closing Date: 10/31/2013/CHANGED TO 10/30, WITH US SIGNING ON THE 28TH WITH A MOBILE NOTARY. GOT OUR CLEAR TO CLOSE 10/11/13
• CLOSED:  WE SIGNED TODAY, WITH SELLERS SIGNING TOMORROW MORNING, THEN WE ARE DONE! 

[Cracka]

@armywifelong03 congratulations! You're 99% there!

[jadeite788]

• Home Location: Houston

• Purchase Price:  $92,000
• Property: SFH - 1603 sq ft
• Submitted Offer on: 8/29/2013
• Signed Purchased Contract on :8/30/2013
• Lender Name: Academy Mortgage 

• Type of Loan: FHA 30 Yr Fixed
• Loan Rate:4.75
• Loan Application submitted:  9/27/2013
• Loan Approved w/conditions: 10/09/2013
• Final Approval: 10/30/2013
• Appraisal Ordered: 09/27/2013
• Appraisal Completed: 10/01/2013
• Closing Date: 10/31/2013
• CLOSED: keeping fingers, legs, arms, toes, and eyes crossed.LOL

[jadeite788]

• Purchase Price:  $92,000
• Property: SFH - 1603 sq ft
• Submitted Offer on: 8/29/2013
• Signed Purchased Contract on :8/30/2013
• Lender Name: Academy Mortgage 

• Type of Loan: FHA 30 Yr Fixed
• Loan Rate:4.75
• Loan Application submitted:  9/27/2013
• Loan Approved w/conditions: 10/09/2013
• Final Approval: 10/30/2013
• Appraisal Ordered: 09/27/2013
• Appraisal Completed: 10/01/2013
• Closing Date: 10/31/2013
• CLOSED: keeping fingers, legs, arms, toes, and eyes crossed.LOL

[armywifelong03]

UPDATED!

IF we close on time, we will be October closers by the skin of our teeth!

• Location - Fort Worth/Saginaw, TX area
• Purchase Price:  $182,000
• Property: 2477 sq ft
• Submitted Offer on: 09/24/2013
• Start of construction:N/A
• Signed Purchased Contract on : 09/25/2013
• Type of Loan: VA loan
• Loan Rate:4.25% locked 9/26/13
• Loan Application submitted: 9/26/13
• Loan Approved w/Conditions:  10/8/2013
• Final Approval: 10/11/2013
• Appraisal Ordered: 9/26/13
• Appraisal Completed:10/2/2013
• Closing Date: 10/31/2013/CHANGED TO 10/30, WITH US SIGNING ON THE 28TH WITH A MOBILE NOTARY. GOT OUR CLEAR TO CLOSE 10/11/13
• CLOSED:  CLOSED AND FUNDED 10/24/2013! 

[jadeite788]

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@armywifelong03 wrote:

UPDATED!

IF we close on time, we will be October closers by the skin of our teeth!

• Location - Fort Worth/Saginaw, TX area
• Purchase Price:  $182,000
• Property: 2477 sq ft
• Submitted Offer on: 09/24/2013
• Start of construction:N/A
• Signed Purchased Contract on : 09/25/2013
• Type of Loan: VA loan
• Loan Rate:4.25% locked 9/26/13
• Loan Application submitted: 9/26/13
• Loan Approved w/Conditions:  10/8/2013
• Final Approval: 10/11/2013
• Appraisal Ordered: 9/26/13
• Appraisal Completed:10/2/2013
• Closing Date: 10/31/2013/CHANGED TO 10/30, WITH US SIGNING ON THE 28TH WITH A MOBILE NOTARY. GOT OUR CLEAR TO CLOSE 10/11/13
• CLOSED:  CLOSED AND FUNDED 10/24/2013! 

---

must be nice,  i am still worried

[coldfeet]

Sorry this was for:  armywifelong03

Hi, We are planning on applying with Veterans United for our home loan as well.  We are looking to purchase one for about the same amount. If it's not too personal, do you mind me asking how much they required in reserves and closing costs? That's the last thing we need situated before applying and I'm not sure how much to have in bank. If you don't want to answer that I completely understand. Thanks in advance.

[armywifelong03]

Hi Coldfeet,

We were continuously told that reserves are not required, but I would guess the more you have, the stronger your file.  We had about $7000 when we applied for preapproval and about $5100 when we closed.  We paid $1500 in earnest and also spent a week in DFW house shopping, so that drained us a little bit.  If you have a TSP or anything, they will also count those as reserves and assets.  Our sellers paid the closing costs, so I am not sure about those. 

[krenee2525]

Unfortunately I will not be closing this month ....on my 6th completion date courtesy of my lying builder.  I wonder if I'll be a November closer...we shall see smh

[jadeite788]

This BS, I just found out by my realtor they are pushing the closing date to November 5.  Uggggh.  I am a November closer.