Established Member
sok454
Posts: 54
Registered: ‎06-06-2012
Re: September & October Closers

Old Texas... watching that house hunter show it seems all the huge cheap beautiful houses are in Texas!   Sure beats central IL! 


Starting Score: 596
Current Score: 646
Goal Score: 720+


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Regular Contributor
indecison
Posts: 226
Registered: ‎05-24-2012
Re: September & October Closers

Thanks for the comments on ours! We have 2 factors that help keep housing costs down. 1 we have LOTS of space and 2 cheap labor from our friends south of the border!

Established Member
sok454
Posts: 54
Registered: ‎06-06-2012
Re: September & October Closers

I'm sure our drywallers/roofers were from S of the boarder too!  


Starting Score: 596
Current Score: 646
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Regular Contributor
indecison
Posts: 226
Registered: ‎05-24-2012
Re: September & October Closers
[ Edited ]

Update: Our house is a few weeks away from being ready so I spoke to my MB yesterday to go forward with locking our rate. We locked in the rate at 3.375% FHA. Came out of underwritting late last week and she told me yesterday that they were just waiting on some title stuff to come back and they would resubmit for clear to close which she believes we will get by mid next week. Things are moving along and we are so ready for this to be over!

Established Contributor
westo12
Posts: 563
Registered: ‎07-20-2008
Re: September & October Closers

indecison wrote:

Update: Our house is a few weeks away from being ready so I spoke to my MB yesterday to go forward with locking our rate. We locked in the rate at 3.375% FHA. Came out of underwritting late last week and she told me yesterday that they were just waiting on some title stuff to come back and they would resubmit for clear to close which she believes we will get by mid next week. Things are moving along and we are so ready for this to be over!


Love that the rates are so low!! Now if only I could get myself in a better position to get financed lol.  Wish these closing stories had a credit score listed, or even a range, that would be even more motivating to the rest of us!  Thanks for sharing.

2014 Starting-618, current TU646/EX662/EQ629 (WalTU 4/4,MYFico 3/1, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 5/30 day auto lates in 2yrs /Install Debt: Santander $11k | Springleaf $4k | Revolving Bals/Limit 8535/21974=39%util: Chase 4k | BofA 3k | Kay 3k | Macys 1900 | Barclay 1.5k | Walmart 1.5k | Amazon Store 1.2k | Citi/Goodyear 900 | BML 862 | Emblem 832 | CareCredit 800 | DiscoverIT 800 | Target 700 | CapOne 600 | Chase/AU 500 | VictSec 500 | CapOne 450 | Express 250 | Buckle 250 **Officially in the garden until I get some auto CLI's on my major accts**
Contributor
MissKay
Posts: 111
Registered: ‎02-05-2012
Re: September & October Closers

 

  • Purchase Price:  $160k (seller giving back 6k for closing costs)
  • Property:1848 sq ft single family  
  • Submitted offer on: 8/20/12
  • Signed Purchased contract on : 8/21/12
  • Type of Loan: VA
  • Loan Rate: 3.75% not locked in
  • Loan Application submitted:  7/27/12
  • Loan approved: 7/27/12
  • Committment letter received on: TBD
  • Closing date: Listed as September 28
  • Closed on: TBD

Can't figure out how to post a pic 

 

Starting Score: 595 2/5/12
Current Score: 650 midscore lender pull 7/24/12
Goal Score: 640

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Regular Contributor
indecison
Posts: 226
Registered: ‎05-24-2012
Re: September & October Closers

westo12 wrote:

indecison wrote:

Update: Our house is a few weeks away from being ready so I spoke to my MB yesterday to go forward with locking our rate. We locked in the rate at 3.375% FHA. Came out of underwritting late last week and she told me yesterday that they were just waiting on some title stuff to come back and they would resubmit for clear to close which she believes we will get by mid next week. Things are moving along and we are so ready for this to be over!


Love that the rates are so low!! Now if only I could get myself in a better position to get financed lol.  Wish these closing stories had a credit score listed, or even a range, that would be even more motivating to the rest of us!  Thanks for sharing.


If it helps you any my mid score is a 684 and my wifes is a 668. We also had a BK discharged in March of 2009.

Member
shnn18
Posts: 26
Registered: ‎08-09-2012
Re: September & October Closers

You all have some AMAZING houses!! Congratulations to all of you. Keep your heads up and keep pushing through. The stress is terrible through the process, but we just closed on our home on Tuesday and the feeling of pulling in the driveway and calling it home was so worth all the stress and worry. It is an amazing pay off in the end.

 

As far as our credit score, mine is 660 and my husband's was 648.

Regular Contributor
indecison
Posts: 226
Registered: ‎05-24-2012
Re: September & October Closers

shnn18 wrote:

You all have some AMAZING houses!! Congratulations to all of you. Keep your heads up and keep pushing through. The stress is terrible through the process, but we just closed on our home on Tuesday and the feeling of pulling in the driveway and calling it home was so worth all the stress and worry. It is an amazing pay off in the end.

 

As far as our credit score, mine is 660 and my husband's was 648.


Congrats!

Regular Contributor
avv7c0
Posts: 169
Registered: ‎01-18-2011
Re: September & October Closers

Well, the wait is finally over. I've been waiting for the October thread to come up for months, eager to share our excitement. This is the first house for my wife and I--we've always been renters before, but rents in our area (Central Florida) have just been climbing out of control, and I'm ready to be my own landlord. :smileyhappy: Our last remaining condition to close (so far) is the homeowner's insurance, which I'm planning to finalize this week.

 

Without further ado...

 

  • Purchase Price:  $379,361
  • Property: 3,927 sq. ft,  4bd, 3.5ba
  • Submitted offer on: n/a (new construction)
  • Signed Purchased contract on : 3/14/12
  • Type of Loan: FHA 30-yr fixed
  • Loan Rate: 3.375% (locked 7/29/12)
  • Loan Application submitted:  6/7/12
  • Loan approved: 6/20/12
  • Committment letter received on: 7/13/12
  • Closing date: 10/8/12, pending home completion
  • Closed on: TBD

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Fico Scores:
EQ - 811 (Feb '14)
TU - 829 (Mar '14)
EX - 814 (Mar '12) - Lender Pull