Update: Going for it! VA Loan - CLOSED!
[ Edited ]11-03-2012 08:00 PM - edited 12-18-2012 07:24 PM
Well, I sorta gave up on looking for houses until I happened to take a look at a foreclosure home today that I love. So tomorrow I'm going to work up my VA Loan pre-approval and then put an offer in! Not thinking I was getting a mortgage any time soon, I opened up a new credit card a week ago, and it hasn't posted to my credit report yet, but should in the next 3 weeks, and have 4 other new credit cards from July, and one from April. My loan officer said it shouldn't be a problem though as long as I justify the cards and the inquiries and since my DTI is 0%. Wish me luck! I'll keep this post updated with the process.
NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
Re: Going for it! VA Loan
11-04-2012 10:37 AM
Made it through automated underwriting today, and about to go put an offer on the house.
NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
Re: Going for it! VA Loan
11-04-2012 12:49 PM
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
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Re: Going for it! VA Loan
11-04-2012 01:38 PM
Thanks! All ducks are in a row except for my dang DD-214, can't find it. Offer was made and now waiting on a response! ![]()
NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
Re: Going for it! VA Loan
11-04-2012 08:26 PM
Congrats!!
Current Score: 650 midscore lender pull 7/24/12
Goal Score: 640
Take the FICO Fitness Challenge
Re: Going for it! VA Loan
11-04-2012 10:16 PM
I got access to eVetBenefits or something like that to get my COE and there was a place I could request my DD214, it said within 48 hours so hopefully i'll see it tomorrow... thanks!
NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
Re: Going for it! VA Loan
[ Edited ]11-07-2012 02:50 PM - edited 11-07-2012 02:50 PM
Got the counter offer today, accepted it, and resubmitted. We are doing the property inspection on Friday then ordering the VA loan appraisal! Moving along... Potential closing date around 12/5/12! ![]()
NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
Re: Going for it! VA Loan
11-07-2012 04:40 PM
Nice house. If I may ask, what part of the country is that in?
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012
May your limits be high and your balances low!
