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Just an update on me. On Thursday the 7th, the underwriter requested confirmation that I/we will continue to receive my daughters disability after she turns 18 next year. Obviously there is no way to guarantee that, especially from the government, so we had to rework the loan. I can still qualify with just my work income, however, I needed to provide the dreaded explanations (which my processor helped me with), rent checks and corresponding statements for the last 12 months. No problem, everything was done and approved on Friday. Everything that is, except they needed information from my landlord, no biggie, other than my landlord wasn't answering or returning calls. I had to call him twice and text him once, they did finally got ahold of him and apparently they need a form filled out that he requested they MAIL to his PO BOX! They did that on Friday (which means it went out Saturday) and they even included a self addressed stamped envelope. Now here it is Wednesday and he's not getting back to them again! So frustrating. All I can say is he better not be the reason I have to close later than the 21st. I'd love to close earlier, but the 21st is right around the corner anyway, it's not a huge deal, I just hate that there is this one hold up and it's completely out of my control!
So that's where I am. Yay!
Purchase Price: $295,000
Signed Contract: 8/15/17
Location: MN
Property Type: Single-Family Home
New/Existing: Existing
Type of Loan: 30YR Fixed FHA
Loan Rate: 4.00%
Pre-Approval: 8/1/17
Appraisal: $296,000
Clear to Close: 09/13/2017
Closing Date: 9/15/17
Closed On: TBD
This has been a 2 year journey. Thank you myFico community for all the awesome posts, stories, tips, etc!
Closed and funded!!! The closing was at 9:30 this morning. Took maybe 30 minutes to sign the papers. The loan was funded and I had my keys by 11:30.
Update: We got the CTC last night, wooohoooo! Closing is set for Thursday at 1 PM. Our Year and half long journey is almost complete!!
Purchase Price: $205,000
Signed Contract: 7/30/17
Location: TX
Property Type: Single-Family Home
New/Existing: Existing
Type of Loan: 30YR Fixed FHA
Loan Rate: 4.375%
Pre-Approval: 7/28/17
Appraisal: $212,000
Clear to Close: 9/28/17 6:20pm 😳
Closing Date: 9/28/17 3:00pm 😳
Closed On: 9/28/17 7:15pm 😳😳
CTC was last minute, docs were late, it was my realtor's wife's birthday...but it's DONE!! Lender had 9/29 as closing date, so I expected delays. Other than that, the process was painless.
Last Update: Closed on 9/28 as planned. Closing was smooth and we funded about 45 minutes later. Tonight is our first night in our new house. It's a wreck, still a lot boxes to unpack and such, but it our wreck Good luck to everyone and board is a God send.. thank you all so much for your help and support.