Reply
Community Leader
Super Contributor
Posts: 5,706
Registered: ‎03-06-2010
0

Re: WOO HOO! We closed!!!

Congrats! What a beautiful home!! :smileyhappy: You worked really hard for it, now it's yours...

Valued Member
Posts: 130
Registered: ‎02-15-2012
0

Re: WOO HOO! We closed!!!

Congrats, this is one lovely home.

Valued Member
Posts: 46
Registered: ‎02-12-2013
0

Re: WOO HOO! We closed!!!

Thanks to the other half of my dream team (hint, hint)! To say that this forum was directly involved with my first home purchase would an understatement of the biggest caliber :smileyhappy:

Starting Score: EQ 612 (CU Lender Pull) 03-2012
Current Score: EQ 679 TU 697 (Lender Pull) EX 668 (Lender Pull)
Goal: Reach the 700+ Club!!!


Take the myFICO Fitness Challenge
Valued Member
Posts: 46
Registered: ‎02-12-2013
0

Re: WOO HOO! We closed!!!

Thanks Limbo :smileyhappy:

Starting Score: EQ 612 (CU Lender Pull) 03-2012
Current Score: EQ 679 TU 697 (Lender Pull) EX 668 (Lender Pull)
Goal: Reach the 700+ Club!!!


Take the myFICO Fitness Challenge
Established Contributor
Posts: 828
Registered: ‎12-09-2012
0

Re: WOO HOO! We closed!!!

[ Edited ]

yeah, yeah...so shane was your mortgage dude, and starting over was  your realtor.  Congrats, you found people who are good at their job. lol

 

Me? I've got a 126 year old loan officer who took our application two months ago...their processor sent out and received all employment verifications and such 6 weeks ago...we get a closing date from the builder, and our loan officer says "Well, we'll try to meet that date." 

 

It's 6 weeks from now.  They can't underwrite a file and clear it when they've had it since January and they've been working it since March 21st? Really?  There's no credit issues.  None.  Not even a late payment within 3 years.  Lowest mid score is 669.  You'll TRY to get it done in 40 days?  REALLY!!! 

 

lol  I'm cracking up. 

Valued Member
Posts: 46
Registered: ‎02-12-2013
0

Re: WOO HOO! We closed!!!

Wow, that's rough. If I didn't have open communications with my realtor and loan officer, I would have been a nervous wreck. I had so many questions and inquiries that needed either clarification or reassurance. It's difficult enough to go through this process without absolute confidence. I had very specific deadlines to meet and made that very clear upfront. I think I provided a little cushion, but not enough to be lax about anything. But to top it off with poor communication is just a crime.

 

I'm rooting you my friend! Keep the faith :smileyhappy: 


Starting Score: EQ 612 (CU Lender Pull) 03-2012
Current Score: EQ 679 TU 697 (Lender Pull) EX 668 (Lender Pull)
Goal: Reach the 700+ Club!!!


Take the myFICO Fitness Challenge
Established Contributor
Posts: 828
Registered: ‎12-09-2012
0

Re: WOO HOO! We closed!!!

Thanks, it will all be sorted out I am sure. 

 

Anyway, you have a great house and the landscaping looks amazing.  Nice work!

Valued Member
Posts: 46
Registered: ‎02-12-2013
0

Re: WOO HOO! We closed!!!


foofighter74 wrote:

Thanks, it will all be sorted out I am sure. 

 

Anyway, you have a great house and the landscaping looks amazing.  Nice work!


When we first saw this house, we knew this was the one. It's one of those houses you don't expect to get with your first home purchase (being a realist, at least that 's how I felt). I was pretty sure I would end up with a light fixer-upper that would be nice and decent and meet our general needs. My only pre-requisite was a garage and hers was a dishwasher, lol! We had seen so many different houses and different possibilities that my initial vision completely morphed, and for the better. We actually lost this house the first time we made a bid on it to a cash buyer. I was very disappointed, but my wife was crushed. This was the second heartbreaking offer that she suffered. So when the sellers sought us out to buy their home, completely uncontested, 17 houses and 5 more disappointing offers later, I knew there were some serious forces at work.

I am very grateful to say the least :smileyhappy:


Starting Score: EQ 612 (CU Lender Pull) 03-2012
Current Score: EQ 679 TU 697 (Lender Pull) EX 668 (Lender Pull)
Goal: Reach the 700+ Club!!!


Take the myFICO Fitness Challenge
Established Contributor
Posts: 828
Registered: ‎12-09-2012
0

Re: WOO HOO! We closed!!!

[ Edited ]

That's a great story and I'm happy it worked out! OBviously you worked very hard to put yourself in a great position and things happened apparently the way they were meant too! Congrats again!

 

 My wife applied for and nearly got a job that would have been a huge step up for her at the beginning of 2012 - not to mention a lot more money.  In the end, the company hired in-house and my wife was pretty disappointed.   Anyway, as we started the mortgage process in early 2013...the company she had interviewed with the previous year called her just after we received our pre-approval and asked if she was still interested in the position as the person they originally hired decided to quit. 

 

She wound up getting the job, a huge raise, and we were able to add some things to the house we were building because we had the extra money in our budget.  It was interesting how everything fell into place.  Hopefully that continues!

Valued Member
Posts: 46
Registered: ‎02-12-2013
0

Re: WOO HOO! We closed!!!

That's awesome bud! Don't forget to post some pics when it's done :smileyhappy:

Starting Score: EQ 612 (CU Lender Pull) 03-2012
Current Score: EQ 679 TU 697 (Lender Pull) EX 668 (Lender Pull)
Goal: Reach the 700+ Club!!!


Take the myFICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.