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Started USDA Prequal Whats Next?

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Anonymous
Not applicable

Re: Started USDA Prequal Whats Next?


@Anonymous wrote:
That's crazy! You must have a busy office? . I saw your timeline and you've been in this awhile!


Yeah, it feels like we're here:

Message 21 of 77
Anonymous
Not applicable

Re: Started USDA Prequal Whats Next?

Lol! Hang in there! It will pay off!
Message 22 of 77
aquastell
New Contributor

Re: Started USDA Prequal Whats Next?

Had my "closing" today.  If you can call it that.  I am now officially a landlord.   My seller wants extra time to move out.  But he was an idiot.  He moved out of my house "a month ago", but moved MORE stuff into it "for storage".  He cut the utilities off, so on my walk through I don't know if the a/c and water heater actually still work.  But on the plus side, the per diem he is being charged, would pay my mortgage for a year if he stays a month lol.  I am sure the USDA wouldn't be happy about that with their owner occupancy requirement.  My real estate agent bought me a home warranty to cover anything, because the asshat wouldn't agree to a damages escrow.  But if he thought I was turning the utilities back on for him, he was sadly mistaken.  

Starting Score myFICO 6/20/14: 629 EX 644 EQ 642 TU 1/15/15 Score: 674 EX 674 EQ 671TU Goal Score: 700
1/16/15 TU Lender Pull 683! 2/7/15 BIG FAT ZEROES 4/5/15 680
7/16/15 EX 660 EQ 648 TU 681
Ch 13 BK 12/2009 discharged 1/13/15. No collections. No lates. 1/2014 CAP ONE 49/200/CLI to 550
2/2015: FINGERHUT ADVANTAGE $700, CAP ONE QUICKSILVER ONE $4000, BARCLAY REWARDS $1400 WALMART $800 DELL $2000 AMAZON $1100, EXXON $800, LOWE'S $900 EFCU $2000 ASHLEY $2000
Message 23 of 77
Anonymous
Not applicable

Re: Started USDA Prequal Whats Next?

That's crazy. So he thought he could take his time moving out huh?
Message 24 of 77
aquastell
New Contributor

Re: Started USDA Prequal Whats Next?

Yeah, it's crazy, isn't it??  BTW, I did not get my buyer orientation.  My coordinator kept forgetting to do it and we just ran out of time  So I had a lot of unanswered questions at the table, but the closing agent was really helpful.  And they DID NOT pull my credit report again before closing.  I know I read over and over again that they WOULD before closing, and sometimes the day of closing, but they did NOT.  I suspect that was just another slip up and more of an anomaly than norm, however.  

Starting Score myFICO 6/20/14: 629 EX 644 EQ 642 TU 1/15/15 Score: 674 EX 674 EQ 671TU Goal Score: 700
1/16/15 TU Lender Pull 683! 2/7/15 BIG FAT ZEROES 4/5/15 680
7/16/15 EX 660 EQ 648 TU 681
Ch 13 BK 12/2009 discharged 1/13/15. No collections. No lates. 1/2014 CAP ONE 49/200/CLI to 550
2/2015: FINGERHUT ADVANTAGE $700, CAP ONE QUICKSILVER ONE $4000, BARCLAY REWARDS $1400 WALMART $800 DELL $2000 AMAZON $1100, EXXON $800, LOWE'S $900 EFCU $2000 ASHLEY $2000
Message 25 of 77
Anonymous
Not applicable

Re: Started USDA Prequal Whats Next?

I got no 2nd hard pull, they did however soft me 2x in the month before closing. 

Message 26 of 77
Anonymous
Not applicable

Re: Started USDA Prequal Whats Next?

Cool. I'm monitoring my credit like a hawk ! Lol!
Message 27 of 77
aquastell
New Contributor

Re: Started USDA Prequal Whats Next?

I just double checked, and nope, I didn't get any soft pulls either.  

Starting Score myFICO 6/20/14: 629 EX 644 EQ 642 TU 1/15/15 Score: 674 EX 674 EQ 671TU Goal Score: 700
1/16/15 TU Lender Pull 683! 2/7/15 BIG FAT ZEROES 4/5/15 680
7/16/15 EX 660 EQ 648 TU 681
Ch 13 BK 12/2009 discharged 1/13/15. No collections. No lates. 1/2014 CAP ONE 49/200/CLI to 550
2/2015: FINGERHUT ADVANTAGE $700, CAP ONE QUICKSILVER ONE $4000, BARCLAY REWARDS $1400 WALMART $800 DELL $2000 AMAZON $1100, EXXON $800, LOWE'S $900 EFCU $2000 ASHLEY $2000
Message 28 of 77
Anonymous
Not applicable

Re: Started USDA Prequal Whats Next?

Just updating. Still havent heard anything Smiley Sad

Message 29 of 77
Anonymous
Not applicable

Re: Started USDA Prequal Whats Next?

Called to check on things and underwriter still hasn't gotten ti l to my file for final review with all received documents. (Sigh),only one in the office. Guess I'll wait and save more money
Message 30 of 77
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