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OCTOBER 2013 CLOSERS !!

Valued Member

Re: OCTOBER 2013 CLOSERS !!


Purchase Price: $150k
Property: SFH - 2481 sq ft
Submitted Offer on: Sept 18
Signed Purchased Contract on : Sept 18
Type of Loan: Fha
Loan Rate:4.5(locked 09/19/2013)
Loan Application submitted: 09/18/2013
Loan Approved w/conditions: TBD
Final Approval: TBD
Appraisal Ordered: 09/25/2013
Appraisal Completed: 09/30/2013
Closing Date: Oct. 11 4pm
CLOSED:

03/13 Walmart $300 graduated to $800 on 07/13 then $1100 on 11/09; 03/13 Amazon Store $700 graduated to $800 06/13....graduated to 1700 10/13; 04/13 VS $250, 12//12 Cap1 Secure $200 graduated to $300 05/13, 03/13 Cap1 $500 graduated to $1500 07/13.
Current: Lender pulled Transunion 630 Myfico Exfax 630, Experian 630 09/13

New Goal: 675-700 by Jan 2014.
Hoping to close 12/03/13.
Message 11 of 34
Frequent Contributor

Re: OCTOBER 2013 CLOSERS !!

 UPDATE:

 

  • Home Location: Bluffton, SC
  • Purchase Price:  $199,000
  • Property: SFH - 1840 sq ft 
  • Submitted Offer on: 09/17/13
  • Builder’s Name: N/A

  • Start of construction: was built in 2000
  • Signed Purchased Contract on : 09/18/13
  • Lender Name: Guild Mortgage 
  • Notes about Lender:  great to deal with, very fast response time to calls/emails 

  • Type of Loan: FHA 30 Yr Fixed
  • Loan Rate: 4.50 (locked 10/01/2013)
  • Loan Application submitted:  09/19/13
  • Loan Approved w/conditions: 09/30/13
  • Final Approval: 10/14/13
  • Appraisal Ordered: 09/20/13
  • Appraisal Completed: 09/30/13
  • Closing Date: aiming for 10/18/13, contract says by 10/31/13, nothing set for sure yet
  • CLOSED: 10/18/13 9:00 am but paperwork ended up being incorrect so I didn't know for sure until 5:00 pm - no keys handed over, but that is ok because the seller let me have a copy of the key a couple weeks ago so I could measure rooms before closing
Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Message 12 of 34
Member

Re: OCTOBER 2013 CLOSERS !!

Our LO says that it may not delay anything because FHA is automated. We're nearing the end, so we'll see what happens. We just submitted the VOE today after a delay because my husband works for DoD and is currently furloughed, but we were able to get it and if it gets in and approved by tomorrow, then we'll be able to close next week.

Message 13 of 34
Established Member

Re: OCTOBER 2013 CLOSERS !!

Home Location: Lexington, Ky
Purchase Price: $124,600
Property: SFH - 1375 sq ft
Submitted Offer on: 09/16/13
Builder’s Name: N/A
Start of construction: was built in 1969
Signed Purchased Contract on : 09/17/13
Lender Name: American Mortgage
Type of Loan: FHA 30 Yr Fixed
Loan Rate: 4.73 (locked 09/18/2013)
Loan Application submitted: 09/17/13
Loan Approved w/conditions: 09/21/13
Final Approval: 10/08/13
Appraisal Ordered: 09/27/13
Appraisal Completed: 10/01/13
Closing Date: aiming for 10/25/13, moved up yesterday to 10/15/13 at noon!!
CLOSED:

Score: Ex- 702 Tu-614 Eq-691
Message 14 of 34
Regular Contributor

Re: OCTOBER 2013 CLOSERS !!

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 Smiley Happy
  • CLOSED:

ONLY ONE STEP LEFT!

Message 15 of 34
Frequent Contributor

Re: OCTOBER 2013 CLOSERS !!


kimmiller112 wrote:

 

  • Home Location: Bluffton, SC
  • Purchase Price:  $199,000
  • Property: SFH - 1840 sq ft 
  • Submitted Offer on: 09/17/13
  • Builder’s Name: N/A

  • Start of construction: was built in 2000
  • Signed Purchased Contract on : 09/18/13
  • Lender Name: Guild Mortgage 
  • Notes about Lender:  great to deal with, very fast response time to calls/emails 

  • Type of Loan: FHA 30 Yr Fixed
  • Loan Rate: 4.50 (locked 10/01/2013)
  • Loan Application submitted:  09/19/13
  • Loan Approved w/conditions: 09/30/13
  • Final Approval: TBD
  • Appraisal Ordered: 09/20/13
  • Appraisal Completed: 09/30/13
  • Closing Date: aiming for 10/19/13, contract says by 10/31/13, nothing set for sure yet
  • CLOSED: 

Some notes on mine:  waiting for the termite report.  Not sure when it was ordered or done, but whoever did it is in the process of writing up the report.  Was supposed to be in Friday, so I'm hoping it will be in tomorrow.  Haven't gotten final approval yet, but LO says that should be in tomorrow as well.  Title search is done and all closing documents are completed.  So close to being done with this and I can't wait.  I should be good to go for 10/18 closing.

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Message 16 of 34
Valued Member

Re: OCTOBER 2013 CLOSERS !!

Hello everyone, I'm an October 1 closer, but thought I'd still share my info to help the users on this forum.  I've successfully rebuilt my credit as you can see from posts on other boards earlier this year.  I'm so happy!

 

Location: Boston, MA 

Purchase Price: $549,900

Property: SFH - 2128 sq ft
Submitted Offer on: August 28

Signed Purchased Contract on : August 28

Type of Loan: FHA

Loan Rate:4.625 (locked 09/02/2013)
Loan Application submitted: 08/28/2013
Loan Approved w/conditions: YES, $550k

Final Approval: $523,915

Appraisal Ordered: 09/24/2013
Appraisal Completed: 09/24/2013
Closing Date: Oct.1@ 12 noon
CLOSED: Oct 1 @ 12 noon



Starting Score: 639
Current Score: 648 EQ, 664 TU
Goal Score: 720

Take the myFICO Fitness Challenge
Message 17 of 34
Contributor

Re: OCTOBER 2013 CLOSERS !!

@Cracka  If you dont mind who's your lender and few notes about them. Thank you

Message 18 of 34
Contributor

Re: OCTOBER 2013 CLOSERS !!

armywifelong03 Who is you lenderif not secret and few notes about them?

Message 19 of 34
Regular Contributor

Re: OCTOBER 2013 CLOSERS !!

We are going through Veterans United.  Our LO has been amazing and very informative. 

Message 20 of 34