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  <channel>
    <title>topic Re: FEB 2015 CLOSERS in Mortgage Loans</title>
    <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3797417#M161413</link>
    <description>&lt;P&gt;How many of you go by your new house all the time?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;We are building and have had access to the house since signing the contract on it. &amp;nbsp;We moved to an apt closer to the property so I could be at the site everyday and monitor the construction. &amp;nbsp;Its been and intense 7 months. &amp;nbsp;really intense. &amp;nbsp;We have 1000s of pictures of every step, every board inside our walls, every wire...everything. &amp;nbsp;Its been fun but its so stressful as we get closer! &amp;nbsp;This delay is definitely tough, but going by tonight and seeing what we need marked to be fixed in tomorrow's final walk through makes me happy there are 2 weeks left and not just 1. &amp;nbsp;I don't want to close while we still have tweaks needing to be done on it.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;BUT I WANT TO BE IN MY HOUSE!!! &amp;nbsp;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/P&gt;</description>
    <pubDate>Fri, 13 Feb 2015 00:39:39 GMT</pubDate>
    <dc:creator>newstart2010</dc:creator>
    <dc:date>2015-02-13T00:39:39Z</dc:date>
    <item>
      <title>FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3779528#M160608</link>
      <description>&lt;P&gt;I have not seen a post yet for the February closers so Ill start one.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I close on Friday&amp;nbsp;2/6 @ 1:00pm.&amp;nbsp;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;img id="smileylol" class="emoticon emoticon-smileylol" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-lol.gif" alt="Smiley LOL" title="Smiley LOL" /&gt;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Do we have anyone else that will join the homeowners club in February?&lt;/P&gt;</description>
      <pubDate>Wed, 04 Feb 2015 18:56:48 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3779528#M160608</guid>
      <dc:creator>Score_Raiser_T</dc:creator>
      <dc:date>2015-02-04T18:56:48Z</dc:date>
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    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3779536#M160610</link>
      <description>&lt;P&gt;Scheduled for 2/23. Keeping fingers, toes, etc all crossed.&lt;/P&gt;</description>
      <pubDate>Wed, 04 Feb 2015 19:01:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3779536#M160610</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-02-04T19:01:12Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780089#M160647</link>
      <description>&lt;P&gt;congrats to the both of you!!!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;i can't wait to start the March 2015 closers thread!&lt;/P&gt;</description>
      <pubDate>Wed, 04 Feb 2015 22:14:33 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780089#M160647</guid>
      <dc:creator>frugalQ</dc:creator>
      <dc:date>2015-02-04T22:14:33Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780201#M160653</link>
      <description>We are supposed to close on the 20th but my husband made the mistake of app spreeing so we have to see how long that delays us.</description>
      <pubDate>Wed, 04 Feb 2015 22:52:48 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780201#M160653</guid>
      <dc:creator>newstart2010</dc:creator>
      <dc:date>2015-02-04T22:52:48Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780280#M160655</link>
      <description>&lt;P&gt;Congrats!!!&lt;/P&gt;</description>
      <pubDate>Wed, 04 Feb 2015 23:37:29 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780280#M160655</guid>
      <dc:creator>Believe1970</dc:creator>
      <dc:date>2015-02-04T23:37:29Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780393#M160657</link>
      <description>&lt;P&gt;Thank you everyone. To those of you closing right behind us congratulations to you also. You are almost there.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Thu, 05 Feb 2015 00:35:25 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780393#M160657</guid>
      <dc:creator>Score_Raiser_T</dc:creator>
      <dc:date>2015-02-05T00:35:25Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780480#M160659</link>
      <description>&lt;P&gt;I quit smoking, cut down drinking, and stopped chewing my fingernails tothe nubs years ago.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I am close totaking it all back up again. &amp;nbsp;This is so stressful!!! &amp;nbsp;15 days away hopefully.&lt;/P&gt;</description>
      <pubDate>Thu, 05 Feb 2015 01:30:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780480#M160659</guid>
      <dc:creator>newstart2010</dc:creator>
      <dc:date>2015-02-05T01:30:28Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780774#M160662</link>
      <description>Lol. Yeah, I've discovered a new found love for wine! Lol</description>
      <pubDate>Thu, 05 Feb 2015 04:03:52 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780774#M160662</guid>
      <dc:creator>frugalQ</dc:creator>
      <dc:date>2015-02-05T04:03:52Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780806#M160665</link>
      <description>&lt;P&gt;FrugalQ, I`m right there with you!&lt;/P&gt;</description>
      <pubDate>Thu, 05 Feb 2015 04:19:51 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3780806#M160665</guid>
      <dc:creator>wagsk1</dc:creator>
      <dc:date>2015-02-05T04:19:51Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3781723#M160718</link>
      <description />
      <pubDate>Thu, 05 Feb 2015 19:50:09 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3781723#M160718</guid>
      <dc:creator>andemalia</dc:creator>
      <dc:date>2015-02-05T19:50:09Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3781745#M160723</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/798834"&gt;@Score_Raiser_T&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;I have not seen a post yet for the February closers so Ill start one.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;@I close on Friday&amp;nbsp;2/6 @ 1:00pm.&amp;nbsp;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;img id="smileylol" class="emoticon emoticon-smileylol" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-lol.gif" alt="Smiley LOL" title="Smiley LOL" /&gt;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Do we have anyone else that will join the homeowners club in February?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;My close date went from 45days to 30 days because the sellers offered us a credit toward closing to pay for the termite repair. Close date 2-17!&lt;/P&gt;</description>
      <pubDate>Thu, 05 Feb 2015 20:06:05 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3781745#M160723</guid>
      <dc:creator>Slim1Der</dc:creator>
      <dc:date>2015-02-05T20:06:05Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3781872#M160728</link>
      <description>&lt;P&gt;I closed on 2/3... Good luck to everyone!&lt;/P&gt;</description>
      <pubDate>Thu, 05 Feb 2015 21:55:22 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3781872#M160728</guid>
      <dc:creator>ap84</dc:creator>
      <dc:date>2015-02-05T21:55:22Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3782259#M160746</link>
      <description>&lt;P&gt;Scheduled for 2/24. Eeeeeep!&lt;/P&gt;</description>
      <pubDate>Fri, 06 Feb 2015 01:30:11 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3782259#M160746</guid>
      <dc:creator>skigirl916</dc:creator>
      <dc:date>2015-02-06T01:30:11Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3782752#M160767</link>
      <description>2/27, I'm still very nervous about everything! Thank God I made it this far.</description>
      <pubDate>Fri, 06 Feb 2015 08:00:32 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3782752#M160767</guid>
      <dc:creator>anca21bi</dc:creator>
      <dc:date>2015-02-06T08:00:32Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3782875#M160769</link>
      <description>&lt;P&gt;Anyone else have nightmares about loans and money?&lt;/P&gt;</description>
      <pubDate>Fri, 06 Feb 2015 13:17:55 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3782875#M160769</guid>
      <dc:creator>newstart2010</dc:creator>
      <dc:date>2015-02-06T13:17:55Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3782956#M160771</link>
      <description>&lt;P&gt;oh, all of the time! &amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;although i'm in the final waiting stage, i'm so over this. &amp;nbsp;i can't relax....i feel like i need to be doing something. &amp;nbsp;i need RETAIL THERAPY!!! &amp;nbsp;Wine helps take the edge off though! &amp;nbsp;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 06 Feb 2015 14:28:08 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3782956#M160771</guid>
      <dc:creator>frugalQ</dc:creator>
      <dc:date>2015-02-06T14:28:08Z</dc:date>
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    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3789159#M160967</link>
      <description>&lt;P&gt;Anyone hitting any snags?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;We had some disagreements with the IRS for the 2012 and 2013 taxes. &amp;nbsp;Got them sorted and filed about 2 months ago. &amp;nbsp;The returns have STILL not been accepted and put in to transcript form so we are waiting to see what is going to come of that. &amp;nbsp;If they do not add our transcripts to our records by the end of this week we will be delayed. &amp;nbsp;And tomorrow we find ut what the damage is frommy husband pulling our reports for some store cards. &lt;img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 09 Feb 2015 12:45:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3789159#M160967</guid>
      <dc:creator>newstart2010</dc:creator>
      <dc:date>2015-02-09T12:45:01Z</dc:date>
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    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3789474#M160986</link>
      <description>&lt;P&gt;hopefully, the tax thing will resolve itself quickly.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;he went and app'd for new credit cards? &amp;nbsp;and he lived to tell about it?! &amp;nbsp;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 09 Feb 2015 16:32:00 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3789474#M160986</guid>
      <dc:creator>frugalQ</dc:creator>
      <dc:date>2015-02-09T16:32:00Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3789815#M161002</link>
      <description>&lt;P&gt;The underwriter made me promise not to kill him. &amp;nbsp;But she made a good point, I need the income he brings in. &amp;nbsp;And he's a pretty good guy usually. &amp;nbsp;&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt; &amp;nbsp;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Yeah he app'd for about 5 or 6 things. &amp;nbsp;The underwriter and I are still assessing the damages. &amp;nbsp;Shedoes the soft pull hit tomorrow to see what has changed and then we have to do explination of credit pulls. &amp;nbsp;thankfully our income to debt ration is crazy good and we can buffer the worries of new credit. &amp;nbsp;And I have a great underwriter. &amp;nbsp;We will see what comes of it.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;The tax thing makes me crazy. &amp;nbsp;I can't get anyone on the phone to ask aboutthe tax transcripts and the online tool is not working. &amp;nbsp;Its so frustrating!!&lt;/P&gt;</description>
      <pubDate>Mon, 09 Feb 2015 18:49:54 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3789815#M161002</guid>
      <dc:creator>newstart2010</dc:creator>
      <dc:date>2015-02-09T18:49:54Z</dc:date>
    </item>
    <item>
      <title>Re: FEB 2015 CLOSERS</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3789903#M161007</link>
      <description>&lt;P&gt;Just received confirmation that the tax transcripts are finally up to date, however there was $11 discrepancy, and now we have to wait to see when that payment posts. &amp;nbsp;UGH! &amp;nbsp;Tax office is killing me!&lt;/P&gt;</description>
      <pubDate>Mon, 09 Feb 2015 19:31:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/FEB-2015-CLOSERS/m-p/3789903#M161007</guid>
      <dc:creator>newstart2010</dc:creator>
      <dc:date>2015-02-09T19:31:44Z</dc:date>
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