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Well, I just applied for a mortgage *****UPDATE: CLOSED******

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madmann26
Valued Contributor

Well, I just applied for a mortgage *****UPDATE: CLOSED******

My wife is now almost 20 weeks pregnant. She called me today and asked me to go ahead and apply for the mortgage.

Tentative numbers (automated) come back with 3.75% financing on a 30-year with a $215k purchase price.

It's late in the day so I'll follow-up with them in the morning.

#breath

Current FICO 9 Scores



Message 1 of 49
48 REPLIES 48
Anonymous
Not applicable

Re: Well, I just applied for a mortgage

Woo! Congratulations on both the application & the baby! You're in for one heck of a load of stress over the coming months! Just keep swimming, madmann!

Message 2 of 49
madmann26
Valued Contributor

Re: Well, I just applied for a mortgage

I just pictured Dori from Finding Nemo.

Current FICO 9 Scores



Message 3 of 49
Anonymous
Not applicable

Re: Well, I just applied for a mortgage

As you were supposed to!  Smiley Very Happy

Message 4 of 49
DallasLoanGuy
Super Contributor

Re: Well, I just applied for a mortgage

coolio

Retired Lender
Message 5 of 49
StartingOver10
Moderator Emerita

Re: Well, I just applied for a mortgage

Congratulations on your little one to be...Heart

Sounds like a good time to buy a house!

Message 6 of 49
frugalQ
Valued Contributor

Re: Well, I just applied for a mortgage

Congratulations on the house and the baby!!!

A pregnant wife (heading into trimester #3) and underwriters at the same time?!?!?! I hope you are stocking up on your drink of choice over the next few months....u are definitely gonna need it.

I gave my DH fits when I was pregnant!

AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Message 7 of 49
bdhu2001
Valued Contributor

Re: Well, I just applied for a mortgage

Congrats on baby and house.  Fun times, they're a-comin.

Original Mortgage maturity Sept 2044; Refi maturity Dec 2030
Starting Score: EX 751 EQ 720 TU 737 on 4/9/14
Current Score: EX 849 EQ 835 TU 843
Goal Score: 850


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Message 8 of 49
madmann26
Valued Contributor

Re: Well, I just applied for a mortgage

Thanks everyone.

I got more details today.

1. My CR pull is good for 90 days
2. I have a list of documents that I need to get to the mortgage consultant.
3. The mortgage consultant didn't see anything that was alarming to him.
4. Right now, we have a 3.75% rate (subject to change). It's not locked and can't be until there is a buyers order.

Frugal,

This is with Georgia's Own CU.

Current FICO 9 Scores



Message 9 of 49
frugalQ
Valued Contributor

Re: Well, I just applied for a mortgage

Madmann, that's great! I'm happy I was able to help with useful info. :-)

Keep us posted on the progress (house and bundle of joy)
AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Message 10 of 49
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