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Goldi0218
My miracles!
Member since 12/05 23902 total posts
Name:
Leslie
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Well it took long enough but...
We finally got our commitment letter from our lender!
After we close, I will be happy to share why it took so damn long being ONE DAY away from the 45 day deadline we had after going to contract. You'd all be  .
I will say this to prospective home buyers. I thank G-d I had every possible document necessary for this transaction at my fingertips. If you think you wont need something, you will. BE PREPARED. They WILL ask you for your first born, proof of your last pedicure and most recent dental records with a signed affadavit that you don't need to return the gold they put in your mouth 
THANK G-D THIS WAIT IS OVER. NOW LET'S CLOSE AND END THIS!!!
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Posted 6/7/10 5:51 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource | Prudential Douglas Elliman Real Estate |
randella
Love my little man
Member since 8/05 16290 total posts
Name:
Randi
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Re: Well it took long enough but...
Congrats! How quickly can you close now?
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| Posted 6/7/10 5:59 PM |
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Goldi0218
My miracles!
Member since 12/05 23902 total posts
Name:
Leslie
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Re: Well it took long enough but...
It will have to be before the 30th or there will be one RABID pregnant woman looking to kill someone.
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| Posted 6/7/10 6:00 PM |
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rose825
Best Friends
Member since 6/05 10228 total posts
Name:
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Re: Well it took long enough but...
sounds just like what we went through. Good luck!
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| Posted 6/7/10 6:09 PM |
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JustJack
:)
Member since 2/06 2041 total posts
Name:
J
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Re: Well it took long enough but...
ahh memories.....
when you get in the house it will all be long forgotten and worth it!
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| Posted 6/7/10 7:15 PM |
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Re: Well it took long enough but...
Posted by JustJack
ahh memories.....
when you get in the house it will all be long forgotten and worth it!
Exactly this! You really do need every piece of paper imaginable..DH and I had them all sorted in an accordian file..pull them out impressively, until the woman says, "marriage license?" 
Congrats-you're well on your way!
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| Posted 6/7/10 8:25 PM |
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ChaTTerBoX
LIF Infant
Member since 2/10 245 total posts
Name:
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Re: Well it took long enough but...
I couldn't agree more! Except, now we are locked and in final under-writing and this is worse! GRRRR!
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| Posted 6/7/10 8:33 PM |
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Wendyd
LIF Zygote
Member since 6/10 1 total post
Name:
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Re: Well it took long enough but...
not sure who your lender is, but this is what lending is all about these days. You are buying a home at a great time, rates are low, home prices are low and you get a tax credit. I wish I were buying a home for the first time. Unfortunately because financing was "just given away" a few years ago, and the market has gone mad, getting a mortgage requires more documentation that you can imagine and yes borrowers are being scrutinized - Congratulations to you as you did get this far - if you are working with an experienced loan officer, now that you have your commitment you should not have that much more to go ....
Message edited 6/7/2010 8:56:31 PM.
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| Posted 6/7/10 8:52 PM |
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Goldi0218
My miracles!
Member since 12/05 23902 total posts
Name:
Leslie
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Re: Well it took long enough but...
I know we are pretty darn lucky. Now is a good time to be a buyer. However, I think the process could have been smoother had the lender been more organized. The whole thing could have been done 2 weeks ago.
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| Posted 6/7/10 9:48 PM |
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Mrs213
????????
Member since 2/09 18986 total posts
Name:
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Re: Well it took long enough but...
That's great for you!! I had to leave 3 harrassing messages with my lender today and finally got a call back - hopefully we will know by tomorrow if we are cleared to close - you must be so excited!!
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| Posted 6/7/10 10:37 PM |
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Bops
My 3 wishes
Member since 12/07 13625 total posts
Name:
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Re: Well it took long enough but...
Now get ready to acquire carpal tunnel if you haven't experienced it already this pregancy 
You will literally be asked to sign and initial your name 5,482,325 times !
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| Posted 6/7/10 10:42 PM |
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Goldi0218
My miracles!
Member since 12/05 23902 total posts
Name:
Leslie
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Re: Well it took long enough but...
Posted by staceyums81
That's great for you!! I had to leave 3 harrassing messages with my lender today and finally got a call back - hopefully we will know by tomorrow if we are cleared to close - you must be so excited!!
Im way too excited. At least now I can secure childcare for after my leave. I had gone to look last week but I refused to leave a deposit until we had a bit more security from the lender.
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| Posted 6/7/10 10:43 PM |
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Goldi0218
My miracles!
Member since 12/05 23902 total posts
Name:
Leslie
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Re: Well it took long enough but...
Posted by Bops
Now get ready to acquire carpal tunnel if you haven't experienced it already this pregancy
You will literally be asked to sign and initial your name 5,482,325 times !
Im preparing a rubber stamp of my signature.
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| Posted 6/7/10 10:44 PM |
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headoverheels
s'il vous plaît
Member since 6/07 42079 total posts
Name:
LB
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Re: Well it took long enough but...
Posted by Goldi0218
I know we are pretty darn lucky. Now is a good time to be a buyer. However, I think the process could have been smoother had the lender been more organized. The whole thing could have been done 2 weeks ago.
We went through the SAME thing when we were ready to close. Of course our broker blamed it all on underwriting - before the file even WENT to underwriting! We didn't find that out till after the fact, and then it was just "oh, well, everything's done now "
I hope you close soon, I will have my azz-kickin boots ready if you need me 
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| Posted 6/8/10 8:37 AM |
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JDubs
different, not less
Member since 7/09 13160 total posts
Name:
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Re: Well it took long enough but...
 good luck!
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| Posted 6/8/10 8:48 AM |
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july4mrsO
Happy boy!
Member since 5/10 2867 total posts
Name:
Jess
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Re: Well it took long enough but...
Congrats! 
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| Posted 6/8/10 8:58 AM |
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Goldi0218
My miracles!
Member since 12/05 23902 total posts
Name:
Leslie
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Re: Well it took long enough but...
Posted by headoverheels
Posted by Goldi0218
I know we are pretty darn lucky. Now is a good time to be a buyer. However, I think the process could have been smoother had the lender been more organized. The whole thing could have been done 2 weeks ago.
We went through the SAME thing when we were ready to close. Of course our broker blamed it all on underwriting - before the file even WENT to underwriting! We didn't find that out till after the fact, and then it was just "oh, well, everything's done now "
I hope you close soon, I will have my azz-kickin boots ready if you need me
I prefer your other weapon.
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| Posted 6/8/10 12:34 PM |
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