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Lender Playing Games

Established Contributor

Re: Lender Playing Games

I just want to let everyone know that we did in fact end up closing yesterday! It wasn't without issues however. First, the title company called us last Friday around 5 and told us that that docs hadn't made it to them yet so we pushed the closing back from 9 am to 11am. We get to the title company and start signing docs. We sign the docs and the title company sends everything over to get the loan funded. First, we were called back to the title company to resign a form that my wife scratched out the date on because they wouldn't accept it. This was almost an hour after everything had been sent over. We then waited around for the loan to fund until 4:30. During this time, no one knew why it was taking so long. Eventually we found out that the lender didn't request VOE until closing day! Who does that? In the end, everything was funded right before close of business and we had the mover pack up our stuff and bring it over to the new house. We are excited we are in the home and SO GLAD that the nightmare of a mortgage process is OVER for us for a very long time. 


Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
Current Score (Lender Pulled):TransUnion: 684 (12 SEP 2016), Equifax: 696 (12 SEP 2016), Experian: 679 (12 SEP 2016)
Goal Score:All scores All scores at least 700+ by December 2017!!

Take the FICO Fitness Challenge
Message 21 of 26
Established Contributor

Re: Lender Playing Games

Congrats and glad it is done!

Sounds like the closing team was not very professional and they should have known that crossing out anything on a legal document is a no-no.
Message 22 of 26
Valued Contributor

Re: Lender Playing Games

Congratulations!!!!
Message 23 of 26
Established Contributor

Re: Lender Playing Games

Congrats!

VA Mortgage Expert. Mortgage Banker lending in All 50 States.
VA, FHA, USDA. Jumbo, Conventional.
CAIVRS Expert.
Message 24 of 26
Moderator Emerita

Re: Lender Playing Games

Fantastic news! A new home is a place for memories to be made and dreams to come true. Congratulations on your new home and all the best for the unpacking.

 

 

 

Message 25 of 26
Established Contributor

Re: Lender Playing Games

Thanks everyone!


Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
Current Score (Lender Pulled):TransUnion: 684 (12 SEP 2016), Equifax: 696 (12 SEP 2016), Experian: 679 (12 SEP 2016)
Goal Score:All scores All scores at least 700+ by December 2017!!

Take the FICO Fitness Challenge
Message 26 of 26