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There are 2 issues here. First, the system GUS was still down as of Friday. I was told by my loan officer that it may become available as of today, but that was not a definate. The second issue is that the funds that were available for USDA are no longer available; congress is still trying to allocate the monies for FY14 (Oct, Nov, Dec); so if you get your file in and appoved it will be a "conditional commintment", which basically means they are approving you based on wether or not the money gets allocated. if you are with a good bank and have good credit, the bank will take the risk and front the money util the conditional commitment clears, BUT if you are with a mortgage company...it may be a longer wait. I am with the latter and I am sooooo frustrated because my house is suppose to close on Dec 20th...and I am not sure if I will have the file approved and ready ALSO I may have to submit the paperwork all over again if I decide to bite the bullet and go with a bank. NOW to put icing on the cake I inadvertantly transfered too much money to my savings account and an automatic payment(I forgot about)came in, my banks overdraft protection kicked in, but I wonder if I have to start the process all over, if this snafu will hurt me with a bank application....Lord help me!!!!!!!!!
Wow that was fast!!! Congrats! My file was submitted on 9/24 and I am still in line. Probably another week.
You were approved through your bank or were you approved through your local USDA office too?
I'm in Arizona and I was approved 10/4/13 by the bank. I don't know if my file went to USDA yet but we are waiting on an approval. My closing date is 10/29/13, I still have no idea where its at right now. Congrats by the way
In Arizona also. According to my lender the USDA has about a 10 day turnaround.