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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/3799338#M161508</link>
    <description>I'm just like you newstart.&lt;BR /&gt;&lt;BR /&gt;We like less than 5 mins from our build. We've been at it since September 2014....it's 7 months from contract to close.&lt;BR /&gt;&lt;BR /&gt;I pass the house everyday. I've become friends with the building manager. I've taken pics of every step....starting from the day we signed the contract. It's been amazing to watch.&lt;BR /&gt;&lt;BR /&gt;I stopped by this morning...the countertops were in. Stopped by this afternoon and all of the light fixtures were in and working, all of the electrical socket covers were installed. The floors go in on Monday.&lt;BR /&gt;&lt;BR /&gt;I'm sooooo ready for march to get here.</description>
    <pubDate>Fri, 13 Feb 2015 22:08:17 GMT</pubDate>
    <dc:creator>frugalQ</dc:creator>
    <dc:date>2015-02-13T22:08:17Z</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>
    </item>
    <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>Anonymous</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>Anonymous</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>Anonymous</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>Anonymous</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>
    </item>
    <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>Anonymous</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>Anonymous</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>Anonymous</dc:creator>
      <dc:date>2015-02-09T19:31:44Z</dc:date>
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