Posts: 111
Registered: ‎02-05-2012
Re: VA loan Journey!!!

Sorry I haven't updated in a while.  Still going through the journey.  A few issues that were my fault and also the fault of my loan officer. One week before my scheduled closing of 9/28, my loan officer said my transcripts for 2010 tax returns were not there.  Called IRS and they said they never got them.---- A little back story: While rehabbing my student loans, I did not do my tax returns.  I barely get anything, but still wanted to wait.  So I did my returns this year and when I didnt get the $200 that was due, I assumed they still took it for my student loans.  In the interim I had a baby and didn't really think much of it.  I received my State Refund and mailed both of those forms at the same time.---OK, back to now.  I went to my local IRS office and hand delivered my returns.  I was told it would take 6-8 weeks to complete.  I gave up at that point and figured God must not mean for me to get this house at this time.  The next day, my realtor called and said the seller was willing to extend the settlement until Oct 31st.  My returns were completed last week and my LO received my transcripts this week.  Friday I sent him my most recent bank statements and he said that was the last thing he needed.  Closing is scheduled for Oct 26th at 10am.  Fingers crossed.  Hope to hear a clear to close some time early this week.

My experience with Veterans United is love/hate.  If my LO was reviewing my paperwork like he was supposed to, he would have noticed the tax return issue earlier and we could have worked on it.  My lease is up Oct 31st, so I'm praying I will be moving into my new house next weekend. 

To make matters worse, I am breast feeding so I can't have the much needed drinks that would help me keep my sanity lol

I will keep you guys posted.

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

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