topic Re: We Closed!!! in Mortgage Loans

We Closed!!!

JStapel — Tue, 01 Jul 2025 16:22:47 GMT

Hi all...I've been a lurker here for about 18 months. I had a bit of rebuilding to do and got a lot of bad stuff of my reports over the past 24 months or so. But we closed on our FHA home loan yesterday. I just want to say thank you to all those that provided valuable information here, even if you didn't know you were doing so.

Re: We Closed!!!

JoeRockhead — Tue, 01 Jul 2025 16:47:42 GMT

Congratulations on your new home!

Re: We Closed!!!

pizzadude — Tue, 01 Jul 2025 17:05:26 GMT

Congrats on your rebuilding success and new home ! How long was your mortgage approval / underwriting process ?

Re: We Closed!!!

JStapel — Tue, 01 Jul 2025 18:17:57 GMT

Offer made on 5/20

Clear to Close on 6/23

Closed on 6/30

Re: We Closed!!!

financialfreedom777 — Tue, 01 Jul 2025 21:27:40 GMT

@JStapel wrote:
Hi all...I've been a lurker here for about 18 months. I had a bit of rebuilding to do and got a lot of bad stuff of my reports over the past 24 months or so. But we closed on our FHA home loan yesterday. I just want to say thank you to all those that provided valuable information here, even if you didn't know you were doing so.

YAY, congrats! I'd love to hear some DPs... I'm on the same journey. Trying to lower my utilization so that I can get my Morgage Fico up to 680 to apply for a FHA with my preferred lender or just 620 if desperate. My last late was 6mos ago, itching to pull the trigger but really nervous about the possibe loan rejection though the lender says my general profile "should" get me approved, of course this isn't guaranteed and based on the full credit pull and underwriting process.

Re: We Closed!!!

cashorcharge — Wed, 02 Jul 2025 02:26:10 GMT

WOOHOO!!!! Congratulations on the close!!

Re: We Closed!!!

boxmover — Fri, 25 Jul 2025 17:20:46 GMT

Congratulations 👏 🎉 it's quite nice to read such happy news!

Re: We Closed!!!

Lykasigh — Wed, 08 Oct 2025 07:37:01 GMT

Congrats on your FHA loan closing! 🎉 It's always great to hear about your effort and determination in rebuilding your credit. Your success is a reminder that hard work pays off. Thank you for sharing your journey and best of luck in your new home!