As the title says...we close on 9/30, we have not received an official clear to close yet. I cannot sleep, eat, focus, or do anything productive right now. This entire process has literally brought me to tears on numerous occassions. It has been weeks of scanning, faxing, and emailing documents, I am drained.
Yesterday, my LO said that all she needed was a credit supplement for my husband (done), and to verify my previous employer (done). We are getting down payment assistance which I think goes through a seperate UW process, she told me earlier this week that it shouldn't take any longer than 72hrs to hear back about that.
I know I should just call my LO to find out where we are at in this process...but I'm just so terrified and stressed out to even call. *sigh*
Just looking for words of encouragement from those who have made it to the other side of this. Or are have ways to cope during this period of uncertainty.
Those are the last steps to get your CTC (Final approval), they didn't get this far to deny a loan-your lender wants to give you a loan as that's how they get paid. Did you sign a CD yet?
I know that (I'm an LO) but that starts the 3 days clock- you should be fine.
I just came here to say GOOD LUCK and congrats and I know you'll be fine! And also, I totally relate to the being reduced to tears thing and the stress thing. Currently there as we speak, so I completely understand. You will do great and be in your new home in no time!
Just take a deep breath. You've come this far. Stressful, yes. But it'll be worth it. Hang in there!