Thank You - Closed Today

[jd403]

A year ago I never imagined being able to sit here typing the words, I closed on my home today!  I started stalking forums about 6 months ago and got real aggressive with cleaning up my credit.  Thanks to everyone who answered numerous questions for me.  If anyone has questions, I'll be more than happy to share my experience and what worked for me.  

Purchase Price: $265,000
Location: NC
Property Type: Single Family
Signed Contract : Jan 26
Type of Loan: FHA/30yr - 3.5% down - seller giving $3k towards closing, lender $2k towards closing
Loan Amount: $260,200
Loan Rate: 3.375%
Loan Application Submitted: February 22, 2016

Pre-Approval Received - February 23, 2016
Loan Approved:  March 9, 2016
Closing Date: March 31, 2016
Closed On: March 18, 2016

[Anonymous]

yay... Congrats

[Anonymous]

Congrats!! Enjoy your new home.

[Sassy_Taurus]

Congratulations to you!!

[Anonymous]

Congrats and best wishes!

[StartingOver10]

Congratulations! Time to celebrate now.

[Anonymous]

Congrats. How did your scores go up so high in a month between Jan-Feb?

[Anonymous]

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@jd403 wrote:

A year ago I never imagined being able to sit here typing the words, I closed on my home today!  I started stalking forums about 6 months ago and got real aggressive with cleaning up my credit.  Thanks to everyone who answered numerous questions for me.  If anyone has questions, I'll be more than happy to share my experience and what worked for me.  

Purchase Price: $265,000
Location: NC
Property Type: Single Family
Signed Contract : Jan 26
Type of Loan: FHA/30yr - 3.5% down - seller giving $3k towards closing, lender $2k towards closing
Loan Amount: $260,200
Loan Rate: 3.375%
Loan Application Submitted: February 22, 2016

Pre-Approval Received - February 23, 2016
Loan Approved:  March 9, 2016
Closing Date: March 31, 2016
Closed On: March 18, 2016

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Congrats to you.  I think it doesn't matter who you are you get worried over this process. My min score is 780 mid 786 high 806 with no credit issues, low debt, and steady income and I still worry about getting to the closing table.

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[jd403]

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@Anonymous wrote:

Congrats. How did your scores go up so high in a month between Jan-Feb?

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I only have 3 CC's and the limits are only $500/500/2300.  I was at a total utilization of 43% in January.  I paid both smaller cards to $0 and the bigger card down to a $400 total balance.  I also had a medical collection for $172 that i was able to get PFD and cleaned that up in 8 days

[Anonymous]

Congrats!