Mortgage Loans

[sewmuchdebt]

thanks JusdoNit!

i need every well wishing i can get. i forgot how stressful this homebuying process can be. i've been reading everyone else's posts to keep from worrying about my own situation.

[webhopper]

Good luck!  You seem to be on the ball.  I also did drive by's in the neighborhoods to see if I could see myself living there.  I grew up in the country, so at a minimum the neighborhood had to have mature trees in order to feel like home. There was one house in a golfing community, but the more we went by the neighborhood, the more we decided that it wasn't a good fit for our family...

What you're doing is called due dilligence, and its actually a good thing!

[sewmuchdebt]

webhopper, thanks.

i've seen that term in some of the documents i've signed. didn't know it could actually apply to me.makes me sound so smart! 

[firsttimemama]

Congrats!!!! I hope you have the keys to your new home in your hand SOON!

[sewmuchdebt]

thanks firsttimemama,

hope everything goes well for you in your credit rebuilding also.

[sewmuchdebt]

well i hit my first bump in the road...

2 weeks ago i got an email from my broker's assistant about additional documentation needed.my bank statement for april???

april wasn't done yet so i assured her i would get it to her as soon as i received it in the mail.

this past friday i check my bank account online and i notice a returned mail fee (5.00) from my bank debited to my account.wth???

so i call and verify my addy and phone numbers and all that good stuff.csr reverses the fee and apologizes and says i'm all squared away.

i called again today just to make sure i'm going to receive my statement on time because i don't want this to hold up the process.csr tells me the mail flag is still on my acct.what???now bank says i need to call back in a couple of days to make sure the flag was removed.

are u kidding me? i already have to wait 2 months for my statements!!!! (they don't mail them out every month anymore)

i've been getting all my mail just fine until now (bank won't tell me what mail got returned. i know it wasn't my statement, probably some junk mail for insurance)

[FrugalRican]

Can't you just ask the CSR or teller to print you up the activity for April.

Sometimes they don't need the "official" statement you get in the mail... as long as it has your monthly activity for April and it has the bank's name on it somewhere plus your information with the account number, you should be good to go... of course, YMMV, you might want to ask your MB if this is ok.

[sewmuchdebt]

i just got off the phone with my MB and it is ok to send in printout from the bank. i will still need to send in original statement once i get it though.whew!! MB has always stressed original docs front and back copies.even if page is blank.so off to the bank i go.......zoom!!!

[sewmuchdebt]

sooo....my loan is now in underwriting!!! got my fingers (all twenty of them) crossed that my conditions won't be too bad.

[sewmuchdebt]

loan processor contacted me with my conditions from underwriting today!! there were 6 of them. 2 they already had. 2 we determined i didn't need. and i got the other 2 faxed off. so let's see how this next round goes.