Agree, you can hit the apply button as soon as you have the keys and ink on paper.
Congrats on your closing ! 
I closed on 10-May and applied for both the NFCU More Rewards and the Chase United Explorer the next day, BAM, $30,000 and $8,000 respectively. I had been warned off of applying before closing on the off chance credit is run in the last few hours before closing.
@RTOrockstar wrote:
@Dancingbear45 wrote:Congratulations 🎉 Buying a house is one of the most stressful processes but you did it!!!
I used to hear ppl say that buying a home is stressful and I just didn't understand. Now I quit sleeping for weeks lol.
I'm in the final stretch now. Then comes the stress of moving.
^THIS!
The "non-stressful" part of our bizarre timeline goes like this:
- 19-Apr: after six months of looking, two condos meeting our requirements went on the market.
- 20-Apr: we applied for a mortgage and were approved
- 21-Apr: we put a bid on our preferred condo with automatic escalations up to $85,000 over ask
- 22-Apr: we were informed there were over 60 bids on the condo and the decision would be delayed until 9:00 that evening
- 22-Apr: our realtor called at about 9:00 and told us we had the second highest escalation; the winning bid had an escalation $65,000 higher than our cap; we told her to let the other party have the unit
- 22-Apr: our realtor called us at about 10:30 and said the seller liked our offer better (no contingencies, and a fast closing); if we were willing to bump our offer another $10,000 and plunk down $45,000 in earnest money, the place was ours; we agreed
- 22-Apr: we signed the contract
- 23-Apr: my wife started packing like crazy
- 10-May: we closed
Now for the stressful part:
- Many phone calls to find a place to donate the 1960s vintage Brunswick Gold Crown pool table (going to a Veteran's Center in northern New Hampshire)
- Finding a place to donate a 1980s vintage Hooker Cherry wall unit (going to the library of a senior citizen's center)
- Finishing the packing
- Renting a trailer and transporting old furniture to the dump
- Movers on arrived early on 29-Jun with a 53' semi trailer (we filled half of it)
- Renting a 26' U-Haul for stuff in storage and a car trailer for my Tacoma
- Loading the U-Haul on both 29-Jun and 30-Jun
- Drive U-Haul (with my wife following in her car) down past Hartford on 30-Jun where we spent the night
- Drive to southern Pennsylvania when suddenly my wife's car, which has never once had an issue, suddenly had the engine die while in a traffic jam near Harrisburg
- Her car was able to restart long enough to get the Tacoma off the trailer and her car on to it
- Complete the drive evening of 01-Jul
- Movers show up early 02-Jul and start schlepping stuff up to our condo; we quickly realize while the condo itself is somewhat larger in square footage than our townhouse in New Hampshire, the lack of a basement means we need to rent a second storage unit and a second 26' U-Haul to handle the overflow
- By the evening of 02-Jul we were able to get the overflow into storage and the second U-Haul returned
- Yesterday, 03-Jul we took the first U-Haul over and filled both storage units and got that truck and the car trailer returned
- Today, 04-Jul my wife started unpacking and I started rewiring the condo to support a secure wired network (I work from home and do lots of stuff for both financial companies and health care companies, and my firm only allows us to use WiFi on a limited basis)
- Tomorrow through Sunday, more rewiring and unpacking
- Monday back to work
- 27-Jun through today; moving from New Hampshire to Maryland
The stress is dropping to a managable level, but we'll be leaning on our kids over the next several months to fetch the mountain of their stuff we have in storage as well as divesting ourselves of the stuff we no longer need, want, desire, or simply cannot fit anywhere.
I'd wait until funding which is different than closing. I've seen where one of my deals went south after UW finding out that my client went out a purchased a car the day of closing (file was already iffy as DTI was already high), she signed docs at closing but before funding they got an alert about a credit pull. If it was just a credit pull and no debt was taken out then it would of been saved with a LOE but being she already took delivery they didn't fund the loan and denied her.
