Reply
New Visitor
lswannfox
Posts: 1
Registered: ‎12-02-2012
0

Re: USDA Guaranteed (FL) Loan File Review Progress UPDATE!!

Hello berrios94!!!!

 

Thank you for all of your updates!!!!  Also congrats on your closing.  I have been following all of your replies and they have been so very helpful.  I am anxiously waiting for a phone call from the Florida USDA office.  We submitted our loan on 10/22/12.  We have had to get three extensions from the seller.  If we don't hear something by 12/06/12 the seller will have to sign a forth extension.  The sellers are losing patience with this process.  I am so nervous.  Our LO will not tell us anything. I am not sure what to do other than pray pray and then pray LOL.  Please give me some advice if you know of any.  Thank you kindly!!!

 

Linda

New Contributor
hopefulKT
Posts: 74
Registered: ‎06-11-2012
0

Re: USDA Guaranteed (FL) Loan File Review Progress UPDATE!!

jeffg330--today they are on November 8th (my day)!!!!! Hoping to hear something soon :smileyhappy:

Starting Score: EQ 559 (June12)
TU 651 (spouse) (June12)
November12 score (Equifax myfico):
Me: 646
Spouse: 691
Getting ready to close on our first home :smileyhappy:
Regular Contributor
jeffg330
Posts: 172
Registered: ‎05-31-2012
0

Re: USDA Guaranteed (FL) Loan File Review Progress UPDATE!!

Yay,finally,  let us know how long they take to approve you. 



Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Current Score: EQ 691 EX 694 TU 713
Goal Score: all 3 700's.
Quicksilver $5000 Discover IT $1500 Barclays NFL $1250 Walmart $1500 CL Applied Bank $300 (secured)

Take the FICO Fitness Challenge

In the Garden till 12/14
New Contributor
hopefulKT
Posts: 74
Registered: ‎06-11-2012
0

Re: USDA Guaranteed (FL) Loan File Review Progress UPDATE!!

delayed.... :smileysad: My LO sent me an email status update from USDA earlier that said they are now on November 9th. So, I asked, where is mine then? Do we know something yet? She checked with the processing department and apparently there was a number missing or entered incorrectly for our homeowners insurance; so the processers had to redo GUS and send it back in. She said the file was auto rejected by USDA the day it was submitted due to the error; but that the processing dept returned it on November 14th. Ahhhh!!!! They were closed on Veteran's Day--so, I'm hoping that means there was only a 2 day delay. This is the most nervewracking process ever! Will be so glad to have keys in hand--I'm still too nervous to pack anything.

Starting Score: EQ 559 (June12)
TU 651 (spouse) (June12)
November12 score (Equifax myfico):
Me: 646
Spouse: 691
Getting ready to close on our first home :smileyhappy:
Regular Contributor
jeffg330
Posts: 172
Registered: ‎05-31-2012
0

Re: USDA Guaranteed (FL) Loan File Review Progress UPDATE!!

That stinks!  Keep your chin up, your almost there. A two day delay might put us on same pace. Maybe we'll both close on same day

 

 



Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Current Score: EQ 691 EX 694 TU 713
Goal Score: all 3 700's.
Quicksilver $5000 Discover IT $1500 Barclays NFL $1250 Walmart $1500 CL Applied Bank $300 (secured)

Take the FICO Fitness Challenge

In the Garden till 12/14
New Contributor
hopefulKT
Posts: 74
Registered: ‎06-11-2012
0

Re: USDA Guaranteed (FL) Loan File Review Progress UPDATE!!

thanks for the encouragement :smileyhappy: I sure do hope that we both close soon! Are you in Ohio as well?

Starting Score: EQ 559 (June12)
TU 651 (spouse) (June12)
November12 score (Equifax myfico):
Me: 646
Spouse: 691
Getting ready to close on our first home :smileyhappy:
Regular Contributor
jeffg330
Posts: 172
Registered: ‎05-31-2012
0

Re: USDA Guaranteed (FL) Loan File Review Progress UPDATE!!

No,Arkansas. It's pretty much the same here with offices closing and they are several weeks behind. I won't bore you with details but we had several delays and were "assured" by LO we'd be able to close two weeks ago! End result is we're basically homeless while we wait. At the current pace USDA should be looking at us Thursday or Friday. Already have mortgage approved and trying to be patient.....



Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Current Score: EQ 691 EX 694 TU 713
Goal Score: all 3 700's.
Quicksilver $5000 Discover IT $1500 Barclays NFL $1250 Walmart $1500 CL Applied Bank $300 (secured)

Take the FICO Fitness Challenge

In the Garden till 12/14
Member
pirulin
Posts: 30
Registered: ‎12-05-2012
0

Re: USDA Guaranteed (FL) Loan File Review Progress UPDATE!!

[ Edited ]

My loan was summited to USDA 10-30 still waiting may be some can help me the update said that the are working on files from 10-16 to 11-06 that's mean that they may be working on my file or I have to wait until they are on 10-30 ?

Thanks,

pirulin Im in Kissimmee Florida

Regular Contributor
jeffg330
Posts: 172
Registered: ‎05-31-2012
0

Re: USDA Guaranteed (FL) Loan File Review Progress UPDATE!!

I read it that they are looking at you now. i hope so



Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Current Score: EQ 691 EX 694 TU 713
Goal Score: all 3 700's.
Quicksilver $5000 Discover IT $1500 Barclays NFL $1250 Walmart $1500 CL Applied Bank $300 (secured)

Take the FICO Fitness Challenge

In the Garden till 12/14
Member
pirulin
Posts: 30
Registered: ‎12-05-2012
0

Re: USDA Guaranteed (FL) Loan File Review Progress UPDATE!!

I hope so but why they saying that they are working on files  from 10-16 ? Im so desperate and I'm so confused


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+