@TXPocohontas wrote:So this afternoon I get an email from the title company. They sent me an 11 page disclosure and fees document. I get excited because surely the title company is not jumping to conclusions and got the go ahead from my loan guy. Then the builder rep who has been acting like he is my personal realtor calls me asking if I heard from the loan guy today. I said No, why? He says things are moving along and I am expected to close next week. I told him that I haven't received the final approval yet. He said that I will have the appraisal done soon and we are on track to close, so don't worry.
Not doing the Snoopy dance yet, I want that final approval and CTC. I am happy though.
Hang in there. Moved in yesterday and boy do I have a lot of boxes an messes in both places. I will be finished with the other place by Friday. The house is a dream to live in. Just big enough!! Just wait, all of this will be in the past.
@Keyluv44 wrote:
Purchase price - $205,612 % Down - 0 Product - VA Mid score - 640 ish Rate -4.75% Estimated Close Date: 01/27/2020 Possible issues - waiting for CTC as of now : ( (1/24/2020 @ 1529 ) Update! As of 1600 on Friday I did receive my CTC! Closing Monday 1/27 @4pm I would say my obstacles were my student loan debt. Had to get 12 month forbearance for my DTI. Good luck to everyone on this journey because at 50 years old, first time homeowner, I probably will not repeat this process.Keyluv44
Don't be too sure about that. My mom refinanced her home at 77 years old with a 15 year loan. She paid it off last June....at 92 years old.
Awesome @cjaysmom!! I bet you are so happy to finally be in and working towards unpacking and settling.
We have our final walkthrough schedule for Friday, just before we head over for closing! Ahhhh!!!
We have our final walkthrough schedule for Friday, just before we head over for closing! Ahhhh!!!
I finally got my CD today! Closing scheduled for Friday, 1/31/2020. It's gonna be close. Cleaning as I go so only the living room has stuff for movers. Best part: $0 cash to close Thank you Daddy in heaven looking out for your baby girl! 
Less than 24 hours to go until we are homeowners again!! Husband is picking up the cashiers check now for our cash to close. Lender, title, and realtor all gave the thumbs up to close on time tomorrow. I’m so pleased! Fingers crossed for NOTHING to go wrong between now and then. A pretty crappy coworker was telling me yesterday about how he and his husband walked away from their home 48 hours before closing. They found out in the 11th hour that the pool for the home they were buying had a massive sinkhole under it, estimated 40k to repair, so they bailed (rightfully so). But still, that kind of horrific thing is not what I wanted to hear just days before closing. 🤣
Omg how stressful!!! That’s so crazy! We had a minor scare on Wednesday. Unbeknownst to us, there was some back and forth between the lender and title. The VA wanted some extra verification from the title that there were no liens or something like that. I only found out when I emailed title, lender, and realtor about confirming closing and the amount for the cashiers check. Needless to say, it’s all taken care of now. We head to final walkthrough in 20 min and straight to closing after that.
@txpocahontas i’d be so mad if that happened to me. What jerks your former employers are! I’m glad you found someone to complete the PVOE. But it’s crazy to me that you had to step in and find someone to do it.