Just wanted to let everyone know I closed on my first home at the age of 26. Brand new 1600 square feet 3 bedroom 2 and half bath with two car garage. This was a usda loan in Ohio that took about 65 total days for the process locked in usda rate at 3.375. Thanks for all the help I didnt post much but a read alot I mean lot on here so thanks again and good luck to everyone else waiting to close
Starting Score: 08/29/2011 TU 671 EQ 674 Current Score: TU 754 EQ 694 EX 697 Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when? MyFICO Fitness Goal: 800s Club!
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.