Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,146
Registered: ‎11-30-2012
0

Re: after clear to close.....

I'm trying to figure out what we are going to do about our fridge situation. I have to order it online and the estimated delivery is 2-3 weeks out...what the heck are we going to do wtihout a fridge for 2-3 weeks? Even if I bought it locally, it would still take at least a week for delivery.

Established Contributor
Posts: 828
Registered: ‎12-09-2012
0

Re: after clear to close.....

[ Edited ]

Buy locally. 

 

If you have the cash, buy a mini-fridge that you'll use for something else once you get your normal one later on.  Or put it on a credit card if it won't push your balances too much.  Eat out.  Get a cooler where you can stash some things if you have too, like drinks, milk, and of course, ice-cold Corona. lol  Cook the food you buy as soon as you get it home.  Stock up on pasta. Put sandwich stuff in the cooler, etc.

 

There's a ton of solutions. lol

Highlighted
Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
0

Re: after clear to close.....

I agree with the mini fridge idea
-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Valued Contributor
Posts: 2,300
Registered: ‎08-25-2011
0

Re: after clear to close.....

I know Mike is a big fan of eating out at really neat places, im sure it wont bug him.

Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
0

Re: after clear to close.....

Also you'd be amazed what a local dealor is willing to do to not lose a sale. Or buy and rent a truck and take it yourself.
-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
0

Re: after clear to close.....

Lol toole
-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Valued Contributor
Posts: 1,146
Registered: ‎11-30-2012
0

Re: after clear to close.....

Buying online will save like $2000, I dont think anyone locally can come close to matching the price, especially since they have to charge sales tax that would come out to $500+ in sales tax alone. 

 

I do have a freezer box that Im taking with, can those be set on a higher temp to act like a fridge vs a freezer? Smiley Very Happy

Established Contributor
Posts: 828
Registered: ‎12-09-2012
0

Re: after clear to close.....

Get a rubber kiddie pool. Put it in your garage.  Fill it with ice and a little water.  Store your food and drinks in there. Drain water and replenish ice as needed. lol

Contributor
Posts: 78
Registered: ‎02-04-2012
0

Re: after clear to close.....

For what its worth we are going through Sun Trust and were told that they don't care about what is going out just what is coming in.  We have to document every stupid little deposit that isn't a payroll deposit, but she said they don't care about my spending habits as long as they can source my down payment.  I guess it's a YMMV situation.

AMEX BCP $26,600 CSP $12,000 Pen Fed Plat Rewards $12,000 Citi Thank You Preferred $10,500 Chase Freedom $10,000
Delta CU $10,000 Cap 1 X 2 $7,500 AMEX TE $2,000
HSN $1,700 Kohls $1,000 BBRZ $700

Starting Score: EQ-592 TU-606
Current Score: EQ-728 TU-730
Goal Score: 725

Take the FICO Fitness Challenge

Contributor
Posts: 567
Registered: ‎10-04-2012
0

Re: after clear to close.....


luckyashes04 wrote:
We just got our clear to close today!!!! I am beyond excited because I kept thinking something would go wrong because we didn't have the best credit.

Anyways, I know they can pull our credit until the day of closing but do they ever check your bank account after you get the clear to close? We need to buy a fridge and plan to pay cash. I'm wondering if we should wait until after we close on Monday or we can go buy one this weekend,

It's lender's option, but if you are cleared to close, I doubt that they will.

 

That said, I echo the earlier advice: if you can possibly wait, I would do so.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

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.