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

New Contributor

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

jeffg330---how did closing go?

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 Smiley Happy
Regular Contributor

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

Our closing went smooth as silk Hopeful. I sure hope they give you the word today. Like you we bought a 2k sf house for just the 2 of us!


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)

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In the Garden till 12/14
New Contributor

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

Awesome! Congrats! I sure hope so too---we have 2 large dogs, so the extra square footage (and larger yard) will be much appreciated, lol Smiley Happy

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 Smiley Happy
Member

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

If any one knows how long its take once your file is sign out by USDA ? Does the files go back to the UW ? Because my USDA already lease my file but is with the UW because he needs update paycheck and bank statements this is normal ?

Thanks,

Pirulin

New Contributor

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

the best 3 words I've ever heard, "clear to close"!!!!!!!! We're closing Friday morning! Thank God!!!!!!!!! Smiley Happy

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 Smiley Happy
Member

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

WOOOOOOOOOOOOOOOOO congratulation im so happy for you me I'm just waiting for the same hopefully today !!!! Again congratulation

New Contributor

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

thank you!!! I'm sure your final approval is coming soon Smiley Happy Our file came back from USDA today, and the clear to close from the lender was given shortly after. They didn't ask for any additional documentation (statements, pay stubs, documentation of funds for closing (our out of pocket is around $1k)); I'm sure that this probably isn't the norm and that different lenders have different requirements.

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 Smiley Happy
Member

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

My problem was that my paycheck and bank statement were from late September and beginning od October so they update we already send lets see let Smiley Very Happy

New Contributor

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

The paystubs I submitted were also from September and October...they didn't ask for anything from November. Hope they finish up with yours soon!

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 Smiley Happy
Member

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

You finally ready nice at least great news from you me I think my clear to close is going to be tomorrow Smiley Very Happy