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It's crunch time. We're set to close this Friday at 10am but no CTC yet.
Last Thursday, LO says we're good to go sending info needed to UW after the conditional approval. She's keeping her eyes on it and we should be good to close on time since UW needs about 3 days to review. Then Friday evening, the LP calls and says she needs documentation from the state. Well, state doesn't work weekend so I spent this Monday calling for all necessary documents. I believe we are all good to go per my LO now. And I'm waiting...just waiting. She had said the UW needed 3 days but don't I need the CTC or final closing disclosures at least 3 days before closing?
Has anyone gone this close and closed successfully? Is there hope? I'm so nervous! I've been checking phone and email all day.
@gjlee wrote:It's crunch time. We're set to close this Friday at 10am but no CTC yet.
Last Thursday, LO says we're good to go sending info needed to UW after the conditional approval. She's keeping her eyes on it and we should be good to close on time since UW needs about 3 days to review. Then Friday evening, the LP calls and says she needs documentation from the state. Well, state doesn't work weekend so I spent this Monday calling for all necessary documents. I believe we are all good to go per my LO now. And I'm waiting...just waiting. She had said the UW needed 3 days but don't I need the CTC or final closing disclosures at least 3 days before closing?
Has anyone gone this close and closed successfully? Is there hope? I'm so nervous! I've been checking phone and email all day.
I just got my clients to sign their "initial" closing disclosure and they're closing Friday. It really depends on how the lenders work. I don't give the final figures until the day before closing because there are times when the figures would change between my closers and the title company. I wait until 3 hours before end of business day to give the final figures which are okay with my clients.
That's good to hear! The UW now needs a bank verification that my bank account is indeed mine-the printoff I got from the banker did not list my name on it of all things! I will be running to the bank as soon as I get off work for a verification letter. The LO said we should be good to go for sure if it gets in tonight. I hope so!!
They should have requested the Closing Disclosures as soon as they got a "Conditional Approval" (Maybe they did) you dont have to wait for a "Final Approval" to request the CD...
Thanks,
Update: We went back into the bank this morning to get another verification letter. it's now 4pm CST where I am. I just received a text we are clear from UW and should be set to close this Friday at 10am. Thank goodness because my husband and I are ready to throw in the white flag!! I'll provided an update on Friday whether we close or not!
Fingers crossed for you guys! Do let us know Friday how it went. I got a mortgage pre approval yesterday and will start looking this weekend. I am already nervous and anxious about the whole process and it's barely started. I read all these stressful horror stories on here and freak out lol.