Reply
Regular Contributor
User273165
Posts: 133
Registered: ‎03-29-2009
0

This mortgage process is brutal

I have been going throught this mortgage process since 10.30.12 and this is just brutal.  The waiting game is the worst part, I am set to close on 12.10.12 and that date cannot come soon enough. 

 

I can do nothing but sit around and think about it.  An underwriter was assigned to my file yesterday so I am waiting to hear back about what her conditions are.  Hopefully I get the appraisal report today if not I will be waiting until Monday.

 

Does anyone have any tips on how not to freak out and not drive yourself completely insane during this process???

 

I just need to vent and I love this forum so I figured this was as good a place as any!

 

Thanks all

Valued Member
jessica04
Posts: 34
Registered: ‎07-02-2012
0

Re: This mortgage process is brutal

Ha, wish I had an answer....I'm only in the beginning....counter offer after counter offer and I HATE the waiting too! very nerve wracking!


Starting Score: 674 8/2010
Current Score: Your TransUnion FICO® score:
703
On November 17, 2012

Goal Score: 720+


Take the FICO Fitness Challenge

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: This mortgage process is brutal


AJC1987 wrote:

I have been going throught this mortgage process since 10.30.12 and this is just brutal.  The waiting game is the worst part, I am set to close on 12.10.12 and that date cannot come soon enough. 

 

I can do nothing but sit around and think about it.  An underwriter was assigned to my file yesterday so I am waiting to hear back about what her conditions are.  Hopefully I get the appraisal report today if not I will be waiting until Monday.

 

Does anyone have any tips on how not to freak out and not drive yourself completely insane during this process???

 

I just need to vent and I love this forum so I figured this was as good a place as any!

 

Thanks all



As far as I know, this is totally impossible....    Please share if you figure it out!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor
GregB
Posts: 1,670
Registered: ‎05-24-2007
0

Re: This mortgage process is brutal

[ Edited ]

Sounds like it has been very easy so far.

 

If you are still dealing with problems in January, then it is starting to become difficult.

Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: This mortgage process is brutal

Hang in there! You can always come back here to vent. :smileywink:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Member
DemoBox
Posts: 10
Registered: ‎04-13-2012
0

Re: This mortgage process is brutal

my wife and I have been the doing the whole waiting game now for almost 3 months because it's a new build.  The waiting is def the worst part, but we tried to just look at the positive side of things and used the time to shop around for things we are going to need to get the best price possible.  Don't get me wrong, we still get stressed out from time to time, especially when the underwritter shoots us an email, but we get her the stuff she needs and move on with our day.  Best of luck!

Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011
0

Re: This mortgage process is brutal


webhopper wrote:

AJC1987 wrote:

I have been going throught this mortgage process since 10.30.12 and this is just brutal.  The waiting game is the worst part, I am set to close on 12.10.12 and that date cannot come soon enough. 

 

I can do nothing but sit around and think about it.  An underwriter was assigned to my file yesterday so I am waiting to hear back about what her conditions are.  Hopefully I get the appraisal report today if not I will be waiting until Monday.

 

Does anyone have any tips on how not to freak out and not drive yourself completely insane during this process???

 

I just need to vent and I love this forum so I figured this was as good a place as any!

 

Thanks all



As far as I know, this is totally impossible....    Please share if you figure it out!


Bahaha this is so true.....

It is brutal but it is so worth it...hang in there!!!

ccpics2.jpg
Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011
0

Re: This mortgage process is brutal

Yep, it is.  I was the same way, but it is so worth it.  I was told to just do what I needed to do to get it done.  "ItT'S NOT TIME TO RELAX YET. The time to enjoy is after it closes".  I hope those words prove to be golden for you too.

 

In the meantime vent all you need too.  It will be over b4 you know it and on that day...U will forget about all the stress and drama you encountered.

 

Hang in there.  Dance it off if possible:smileywink:


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Frequent Contributor
seigex
Posts: 425
Registered: ‎05-16-2012
0

Re: This mortgage process is brutal


AJC1987 wrote:

I have been going throught this mortgage process since 10.30.12 and this is just brutal.  The waiting game is the worst part, I am set to close on 12.10.12 and that date cannot come soon enough. 

 

I can do nothing but sit around and think about it.  An underwriter was assigned to my file yesterday so I am waiting to hear back about what her conditions are.  Hopefully I get the appraisal report today if not I will be waiting until Monday.

 

Does anyone have any tips on how not to freak out and not drive yourself completely insane during this process???

 

I just need to vent and I love this forum so I figured this was as good a place as any!

 

Thanks all


right there with you brother.. I started on 11/3 and are set to close on 12/10 also.... I keep driving by the house and looking and walking around it... haven't figured if that helps me or hurts me.. also I spend my time looking for appliances I want to buy even tho I can't buy them till after closing

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702

NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011
0

Re: This mortgage process is brutal

And you seem to find yourself watching hgtv a little too much haha
ccpics2.jpg

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}