Frequent Contributor
birjest
Posts: 351
Registered: ‎09-23-2011
Just Closed!!!

It is over.  I just closed on my home this morning.  It was a hell of a ride.  I was suppose to close on the 22nd, 29th of August, then the 5th, 7th, and the 10th of this month.  I was good to see the smile on my wife face...my kids as well.  The loan is a FHA loan, $280,000 with 5% down.  Credit score of a 660, oh yea...I had a deed in lieu completed April 2009.  Interest rate is 3.375% and the home is 3100sq Ft 5 bedroom, 3.5 bath with an unfinished room.  I want to give thanks to MYFICO and everybody here.  I came here a year ago "seeking the light" and I found it. 

 

If you ever think that you can get a home loan with a deed in lieu,  I am living proof.  Also, I had a 51%dti as well.

11/15/13 EX 685(MY FICO) EQ 657(MY FICO) TU 659 (MY FICO).
New Contributor
leesa88
Posts: 54
Registered: ‎12-31-2009
Re: Just Closed!!!

Congradulations to you and your family!! How exciting that is!

 

Enjoy your ***HOME!*** 

 

:smileyhappy:

Regular Contributor
K_J
Posts: 209
Registered: ‎01-31-2012
Re: Just Closed!!!

congrats


Starting Score: EQ: 532, EX: 569, TU: 621 (All lender pull 10/15/11)
Current Score: EQ: 660,lender pull 4/13, EX: 671 lender pull 4/13, TU: 691 lender pull (4/13)
Goal Score: 700


Take the FICO Fitness Challenge
Valued Member
bigboihill
Posts: 42
Registered: ‎04-09-2011
Re: Just Closed!!!

WOW!  That is awesome.  You sounded like you really beat the odds.  That interest rate sounds great as well.  If you don't mind sharing........who did you go throgh for your financing?

Regular Contributor
indecison
Posts: 226
Registered: ‎05-24-2012
Re: Just Closed!!!

Big congrats to you!!

Regular Contributor
Kay_Cee
Posts: 199
Registered: ‎01-16-2008
Re: Just Closed!!!

Congratulations!!

New Contributor
hopeful23
Posts: 94
Registered: ‎06-29-2012
Re: Just Closed!!!

Congrats!!

 

Who is the mortgage through? We were told since my husbands scores are over 640 that our dti can be up to 50%. With the house payment included we are around 50-51%, we are working to get it down the one percent in the next couple of weeks...just wondering which company would give on that one percent. (just in case)

Starting Scores: EQ – 492, TU – 508, EX – 507 (Lender pull March ’12)
Current Scores: EQ – 591 (FICO), TU – 623 (FICO), EX –623 (CS), CK - 621
Goal: 700+ AND no baddies!

Current Cards: NFCU $4000 CL, Cap One $300 CL (secured), Cap One $300 CL. & an NFCU car loan for $18,500
Frequent Contributor
birjest
Posts: 351
Registered: ‎09-23-2011
Re: Just Closed!!!

I am just getting back from packing and moving (even though it is in the same neighborhood).  I went with Franklin American with Principal Home Mortgage doing the initial process.  The closing was simple and quick, 45 minutes, and I got the keys.  I will make my first payment in November.

11/15/13 EX 685(MY FICO) EQ 657(MY FICO) TU 659 (MY FICO).
Frequent Contributor
phumanr
Posts: 344
Registered: ‎05-29-2007
Re: Just Closed!!!

Congatulations and nice work!

Member
sandc
Posts: 18
Registered: ‎08-08-2012
Re: Just Closed!!!

Congratulations!