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How close am I???

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StrawberryIce
Regular Contributor

How close am I???

So how close am I really or what's left?

 

I have signed these documents.
* 2010 GFE
* GFE-Itemization of Amount Financed
* Itemization of Amount Financed
* Federal Truth-in-Lending Disclosure Statement
* Rate Lock Form

 

Verified Inquiries and addresses

Got my home insurance set up.

Closing date is 7/30/2015.  First walk-thru is on 7/27/2015.  I guess there is another one right before the closing; I forgot.



Discharged BK7 2013.
NFCU Flagship 16000, NFCU NRewards 16000, NFCU LOC 15000, QuikSilver 1250, JCrew 5050, Pottery Barn 8170, Walmart 3500, Amazon 3500, Lowes 5000, Kays 4000, PayPal 2000, QVC 2000, Sams Club 5000, Evine 1000, CareCredit 1100, Best Buy Visa 500, HHGregg 1500, Banana Republic 300




Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: How close am I???


@StrawberryIce wrote:

So how close am I really or what's left?

 

I have signed these documents.
* 2010 GFE
* GFE-Itemization of Amount Financed
* Itemization of Amount Financed
* Federal Truth-in-Lending Disclosure Statement
* Rate Lock Form

 

Verified Inquiries and addresses

Got my home insurance set up.

Closing date is 7/30/2015.  First walk-thru is on 7/27/2015.  I guess there is another one right before the closing; I forgot.


Apprasial?  

Employment Verification

Message 2 of 5
frugalQ
Valued Contributor

Re: How close am I???

Has your file gone back to underwriting yet?  Has the appraisal been done?  From what you described, it looks like you've gotten pre-approved and the lender provided your disclosures.  the steps after that is underwriting then conditional approval then clear to close.

 

good luck!!!

AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Message 3 of 5
StrawberryIce
Regular Contributor

Re: How close am I???


@Anonymous wrote:

@StrawberryIce wrote:

So how close am I really or what's left?

 

I have signed these documents.
* 2010 GFE
* GFE-Itemization of Amount Financed
* Itemization of Amount Financed
* Federal Truth-in-Lending Disclosure Statement
* Rate Lock Form

 

Verified Inquiries and addresses

Got my home insurance set up.

Closing date is 7/30/2015.  First walk-thru is on 7/27/2015.  I guess there is another one right before the closing; I forgot.


Apprasial?  

Employment Verification


Appraisal is done.

They have my latest paystubs.



Discharged BK7 2013.
NFCU Flagship 16000, NFCU NRewards 16000, NFCU LOC 15000, QuikSilver 1250, JCrew 5050, Pottery Barn 8170, Walmart 3500, Amazon 3500, Lowes 5000, Kays 4000, PayPal 2000, QVC 2000, Sams Club 5000, Evine 1000, CareCredit 1100, Best Buy Visa 500, HHGregg 1500, Banana Republic 300




Message 4 of 5
StrawberryIce
Regular Contributor

Re: How close am I???


@frugalQ wrote:

Has your file gone back to underwriting yet?  Has the appraisal been done?  From what you described, it looks like you've gotten pre-approved and the lender provided your disclosures.  the steps after that is underwriting then conditional approval then clear to close.

 

good luck!!!


I got pre-approved a while ago and was given contingencies.  I met all those.  Got appraised.  Then the processor got my file and they said it was going to the Underwriter on Saturday (it's Wednesday now).  I have seen my close date change like 3 times but they said the builder changed it back to 7/30 at noon today.



Discharged BK7 2013.
NFCU Flagship 16000, NFCU NRewards 16000, NFCU LOC 15000, QuikSilver 1250, JCrew 5050, Pottery Barn 8170, Walmart 3500, Amazon 3500, Lowes 5000, Kays 4000, PayPal 2000, QVC 2000, Sams Club 5000, Evine 1000, CareCredit 1100, Best Buy Visa 500, HHGregg 1500, Banana Republic 300




Message 5 of 5
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