11/6:  preapproval

11/12: put in offer 106,000.  

1501 sq ft with pool.  7 yrs old

11/14: fannie mae accepted offer

11/28: approved for underwriting with conditions, just needed a few LOE's and appraisel

11/30: appraisel

12/4: appraisel came in at 101,000

12/6: fannie mae accepts appraisel price

12/12: back to underwriter

12/13 Clear to Close!!!

12/18: Close!

Lender: Veterans United

Thanks to everyone on the my fico board for all the help!