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USDA Pre-Approval!!!!!

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Valued Member

Re: USDA Pre-Approval!!!!!

Bear,

 

I read on the USDA RD site that prior collecitons didn't have to be paid...did they ask you to pay the AFNI collection or ?

 

Just curious Smiley Happy

Message 21 of 36
Contributor

Re: USDA Pre-Approval!!!!!

I had already paid my AFNI collection just AFNI hadn't updated that it was paid.  As you know CO often take 90 days to update a trade line.  So I just had to provide a letter from AFNI stating I had paid the collection off.  Once I did that the UW was satisfied.  I do know my LO requested I go to the strictist UW possible so that when my file was sent to USDA there would be no issues.

Start: (4-21-13): EQ 560 (FAKO) TU 544 (FAKO) EX 549 (FAKO)
Current: (8-27-13): EQ 650 (FICO) TU 677 (FICO) EX 643 (FICO)
1st Goal: Purchase my first home (Done on 9/3/13)
2nd Goal: 700 across the board
Message 22 of 36
Valued Member

Re: USDA Pre-Approval!!!!!

awesome! thanks a bunch Smiley Happy

Message 23 of 36
Contributor

Re: USDA Pre-Approval!!!!!

Just thought I'd give everyone the newest update on my USDA loan journey.  My loan will be looked at by my state (Missouri) today per their schedule they post online.  From talking with my LO he expects to hear something back from them either later today or early tomorrow.  He says there is a 99.99% chance everything comes back good since he made sure that I went through an UW that is very knowledagble on USDA loans.  I will let everyone know when I get the outcome.

Start: (4-21-13): EQ 560 (FAKO) TU 544 (FAKO) EX 549 (FAKO)
Current: (8-27-13): EQ 650 (FICO) TU 677 (FICO) EX 643 (FICO)
1st Goal: Purchase my first home (Done on 9/3/13)
2nd Goal: 700 across the board
Message 24 of 36
Frequent Contributor

Re: USDA Pre-Approval!!!!!

Great news! Got my fingers crossed for you!!!

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Current Scores:Equifax 697 (myFICO 4/14), TransUnion 699 (Discover 5/14), Experian 754 (Amex 5/14)
Message 25 of 36
Contributor

Re: USDA Pre-Approval!!!!! (Approved!!!)

Just wanted to let everyone know I just heard from my LO that my loan was approved by the USDA!!!!  So I am good to go.  A closing date has been set for 9/3 at 4pm!!!!  Thanks to this board for all the information!

Start: (4-21-13): EQ 560 (FAKO) TU 544 (FAKO) EX 549 (FAKO)
Current: (8-27-13): EQ 650 (FICO) TU 677 (FICO) EX 643 (FICO)
1st Goal: Purchase my first home (Done on 9/3/13)
2nd Goal: 700 across the board
Message 26 of 36
Frequent Contributor

Re: USDA Pre-Approval!!!!! (Approved!!!)

WOOT!!!! Awesome news!!! grats!!!!!

NFCU NavCheck $15k | NFCU cashRewards $12.5k | NFCU goRewards $12.5k |AMEX SPG $10k | Citi AA WEMC $6.5k | CSP $5k | Wal-Mart MC $4.5k | US Air WMC $3.9k | Amex Everyday $2k | Amex BCE $2k | Chase Freedom $1k | Discover IT $800
Current Scores:Equifax 697 (myFICO 4/14), TransUnion 699 (Discover 5/14), Experian 754 (Amex 5/14)
Message 27 of 36
Frequent Contributor

Re: USDA Pre-Approval!!!!! (Approved!!!)

Congrats!!!!!!

Sent to USDA on August 14th 2013 Approved September 5th CLOSED September 9th!!!!!
Message 28 of 36
New Contributor

Re: USDA Pre-Approval!!!!!

Congrats!!!!
Message 29 of 36
Frequent Contributor

Re: USDA Pre-Approval!!!!! (Approved!!!)

So did it all go good with closing?

Sent to USDA on August 14th 2013 Approved September 5th CLOSED September 9th!!!!!
Message 30 of 36
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