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MaZz
* Lovin my baby girl!!! *
Member since 2/09 6243 total posts
Name:
Gina
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Where are my ladies that applied for MCC?
Any word on your files?
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Posted 11/17/09 4:57 PM  |
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brassmunky
LIF Adult
Member since 6/08 1163 total posts
Name:
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Re: Where are my ladies that applied for MCC?
just when we thought everything was a go for closing, our loan officer tells us we have to wait on sonyma. so it looks like they should clear all things on their end by the end of this week. it almost seems like they had to wait for the underwriter at the lender to give clearance for them to move forward.
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| Posted 11/17/09 7:39 PM |
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JandJ1224
Member since 6/06 5911 total posts
Name:
Jannette
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Re: Where are my ladies that applied for MCC?
Just wanted to say how lucky you were to get in on this program! I am jealous!!
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| Posted 11/17/09 10:15 PM |
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MaZz
* Lovin my baby girl!!! *
Member since 2/09 6243 total posts
Name:
Gina
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Re: Where are my ladies that applied for MCC?
Posted by dewdrop
just when we thought everything was a go for closing, our loan officer tells us we have to wait on sonyma. so it looks like they should clear all things on their end by the end of this week. it almost seems like they had to wait for the underwriter at the lender to give clearance for them to move forward.
same exact situation here... we've been told everyone is ready for us to close mon-wed of next week, but waiting on sonyma! UGHHH .... i'm giving sonyma a call today and see what the status is
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| Posted 11/18/09 8:30 AM |
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MaZz
* Lovin my baby girl!!! *
Member since 2/09 6243 total posts
Name:
Gina
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Re: Where are my ladies that applied for MCC?
Posted by JandJ1224
Just wanted to say how lucky you were to get in on this program! I am jealous!!
We've been told how great of a deal it really is so we're excited, but not going to get too excited until we know we def have the cert... I think it took the lenders more time to learn about it than it was actually available... which is quite sad... I think its estimated that only 500 certs were given out throughout NYS
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| Posted 11/18/09 8:32 AM |
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jmf423
:)
Member since 5/05 6372 total posts
Name:
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Re: Where are my ladies that applied for MCC?
we FINALLY heard back from sonyma this week and we got the cert and are cleared to close next week!!!
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| Posted 11/18/09 3:13 PM |
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brassmunky
LIF Adult
Member since 6/08 1163 total posts
Name:
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Re: Where are my ladies that applied for MCC?
Posted by jmf423
we FINALLY heard back from sonyma this week and we got the cert and are cleared to close next week!!!
nice!!!!!!!!! how long was it at SONYMA, do you know?
i just called and found out our file JUST got there today, and that we should hear an answer tomorrow...
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| Posted 11/18/09 3:15 PM |
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MaZz
* Lovin my baby girl!!! *
Member since 2/09 6243 total posts
Name:
Gina
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Re: Where are my ladies that applied for MCC?
Posted by jmf423
we FINALLY heard back from sonyma this week and we got the cert and are cleared to close next week!!!
now, did you have to wait a few days to close after the cert was approved? my lender is still saying we're aiming to close on mon or tues but cert is still not approved for us...
well, i guess what im trying to ask is that after approval did it have to get sent onto some other dept/underwriter and take time to get looked over at as well? we honestly, do not have the time for all that if so... 
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| Posted 11/18/09 4:22 PM |
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jmf423
:)
Member since 5/05 6372 total posts
Name:
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Re: Where are my ladies that applied for MCC?
Posted by dewdrop
Posted by jmf423
we FINALLY heard back from sonyma this week and we got the cert and are cleared to close next week!!!
nice!!!!!!!!! how long was it at SONYMA, do you know?
i just called and found out our file JUST got there today, and that we should hear an answer tomorrow...
Once it finally got there  .....it took about 3 days. They said it would be 48 hours but it was a little longer.
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| Posted 11/19/09 12:53 PM |
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jmf423
:)
Member since 5/05 6372 total posts
Name:
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Re: Where are my ladies that applied for MCC?
Posted by MaZz
Posted by jmf423
we FINALLY heard back from sonyma this week and we got the cert and are cleared to close next week!!!
now, did you have to wait a few days to close after the cert was approved? my lender is still saying we're aiming to close on mon or tues but cert is still not approved for us...
well, i guess what im trying to ask is that after approval did it have to get sent onto some other dept/underwriter and take time to get looked over at as well? we honestly, do not have the time for all that if so...
Once the approval got to my loan officer it went back to underwriting for less than a day. They just had to make sure everything was in order. I hope it works out for you that way too!! 
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| Posted 11/19/09 12:54 PM |
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MaZz
* Lovin my baby girl!!! *
Member since 2/09 6243 total posts
Name:
Gina
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Re: Where are my ladies that applied for MCC?
MOTHERFCUKER.... The lender didnt even get our friggen file out to sonyma... apparently its been going back and forth with the underwriter and LO for the past month 
I'm sick and tired of this... i dont even want the freakin thing anymore... just need to close bc we're kinda gonna be homeless soon... WTFF
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| Posted 11/19/09 4:22 PM |
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brassmunky
LIF Adult
Member since 6/08 1163 total posts
Name:
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Re: Where are my ladies that applied for MCC?
ugh, so sorry mazz. i'm beginning to learn that calling/ emailing everyone involved, almost annoyingly, may help push the process along. i just found out from SONYMA that they approved our file and notified the lender already. but lo & behold, my dear old LO is on vacation now :D
but he did leave us with the lender's processor's phone #, who i've called three time today :D
left one message. tomorrow i won't be so easy on her ;)
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| Posted 11/19/09 5:35 PM |
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MaZz
* Lovin my baby girl!!! *
Member since 2/09 6243 total posts
Name:
Gina
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Re: Where are my ladies that applied for MCC?
Posted by dewdrop
ugh, so sorry mazz. i'm beginning to learn that calling/ emailing everyone involved, almost annoyingly, may help push the process along. i just found out from SONYMA that they approved our file and notified the lender already. but lo & behold, my dear old LO is on vacation now :D
but he did leave us with the lender's processor's phone #, who i've called three time today :D
left one message. tomorrow i won't be so easy on her ;)
Yes, i try to not be annoying and I get nowhere... I actually feel bad calling/emailing these people so often, but I guess it needs to be done...
And for the 1st time ever, spoke to my processor today... I love how they try to be so soothing and comforting... And tell me how lucky I am to get into this program... Well, why dont you tell me I'm lucky already and get me approved... I just cant anymore... 
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| Posted 11/19/09 5:54 PM |
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MaZz
* Lovin my baby girl!!! *
Member since 2/09 6243 total posts
Name:
Gina
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Re: Where are my ladies that applied for MCC?
Dew- so you got approved in 1 day essentially? I hope I'm that lucky
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| Posted 11/19/09 5:55 PM |
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brassmunky
LIF Adult
Member since 6/08 1163 total posts
Name:
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Re: Where are my ladies that applied for MCC?
Posted by MaZz
Dew- so you got approved in 1 day essentially? I hope I'm that lucky
yes, pretty much. its back in the lender's court, so we'll see what happens. we have a tentative closing date for next week that i literally had to pry out of our LO. unreal.
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| Posted 11/19/09 6:02 PM |
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brassmunky
LIF Adult
Member since 6/08 1163 total posts
Name:
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Re: Where are my ladies that applied for MCC?
hang in there, i know how you feel. its awful. but i do feel better knowing i'm being annoying...i mean pro-actively polite and relentless.
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| Posted 11/19/09 6:06 PM |
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MaZz
* Lovin my baby girl!!! *
Member since 2/09 6243 total posts
Name:
Gina
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Re: Where are my ladies that applied for MCC?
Posted by dewdrop
Posted by MaZz
Dew- so you got approved in 1 day essentially? I hope I'm that lucky
yes, pretty much. its back in the lender's court, so we'll see what happens. we have a tentative closing date for next week that i literally had to pry out of our LO. unreal.
hA... That doesnt surprise me...
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| Posted 11/19/09 6:35 PM |
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happytobreathe
The Lazy Days of Summer
Member since 10/06 1413 total posts
Name:
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Re: Where are my ladies that applied for MCC?
What is MCC?
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| Posted 11/19/09 7:28 PM |
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MaZz
* Lovin my baby girl!!! *
Member since 2/09 6243 total posts
Name:
Gina
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Re: Where are my ladies that applied for MCC?
Posted by happytobreathe
What is MCC?
lol dont even bother... its already maxed out its # of applicants
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| Posted 11/19/09 8:02 PM |
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brassmunky
LIF Adult
Member since 6/08 1163 total posts
Name:
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Re: Where are my ladies that applied for MCC?
so today i learned that after repeated phone calls & messages, and a phone called placed at precisely 9:06am to the loan processor, i got another answer to our mortgage closing woes...once it "gets approved" by SONYMA, our file goes through processing, then gets sent back up to underwriting so they can go to SONYMA's website to print out the approval & what not - this should take up to 48 hours, then it goes back to the processor who then tells the LO its a go for closing....this all being that the underwriter see's all documentation they want to see and how they want to see it....if there is something missing or questionable (as if they haven't done that once a week for the past 3 weeks already) then we wait yet another week...when does it end...
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| Posted 11/20/09 9:34 AM |
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MaZz
* Lovin my baby girl!!! *
Member since 2/09 6243 total posts
Name:
Gina
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Re: Where are my ladies that applied for MCC?
dew- where are you moving to? and when exactly did you put your reservation into the system?
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| Posted 11/22/09 12:09 PM |
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brassmunky
LIF Adult
Member since 6/08 1163 total posts
Name:
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Re: Where are my ladies that applied for MCC?
Posted by MaZz
dew- where are you moving to? and when exactly did you put your reservation into the system?
baldwin harbor. i think they put it in sometime in september.
my loan officer had to take a seminar to learn about it, and put it through shortly thereafter. but it seems it's not just the SONYMA they were waiting for. it's gone back to underwriting for an unchecked box on the termite inspection? meanwhile, just last week they returned that same one page, 3 question inspection report to us requesting us to sign it. and NOW they notice a box is unchecked? waiting on my LO to get back to me to tell me exactly which box they are referring to b/c everything looks checked off to me. and they also needed to re-verify our employment, since they did it so long ago, they only last 10 days now. unbelievable.
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| Posted 11/22/09 1:09 PM |
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MaZz
* Lovin my baby girl!!! *
Member since 2/09 6243 total posts
Name:
Gina
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Re: Where are my ladies that applied for MCC?
Posted by dewdrop
Posted by MaZz
dew- where are you moving to? and when exactly did you put your reservation into the system?
baldwin harbor. i think they put it in sometime in september.
my loan officer had to take a seminar to learn about it, and put it through shortly thereafter. but it seems it's not just the SONYMA they were waiting for. it's gone back to underwriting for an unchecked box on the termite inspection? meanwhile, just last week they returned that same one page, 3 question inspection report to us requesting us to sign it. and NOW they notice a box is unchecked? waiting on my LO to get back to me to tell me exactly which box they are referring to b/c everything looks checked off to me. and they also needed to re-verify our employment, since they did it so long ago, they only last 10 days now. unbelievable.
LOL you're brunette on citydata huh? i'm lilbxqt
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| Posted 11/22/09 1:27 PM |
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brassmunky
LIF Adult
Member since 6/08 1163 total posts
Name:
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Re: Where are my ladies that applied for MCC?
Posted by MaZz
Posted by dewdrop
Posted by MaZz
dew- where are you moving to? and when exactly did you put your reservation into the system?
baldwin harbor. i think they put it in sometime in september.
my loan officer had to take a seminar to learn about it, and put it through shortly thereafter. but it seems it's not just the SONYMA they were waiting for. it's gone back to underwriting for an unchecked box on the termite inspection? meanwhile, just last week they returned that same one page, 3 question inspection report to us requesting us to sign it. and NOW they notice a box is unchecked? waiting on my LO to get back to me to tell me exactly which box they are referring to b/c everything looks checked off to me. and they also needed to re-verify our employment, since they did it so long ago, they only last 10 days now. unbelievable.
LOL you're brunette on citydata huh? i'm lilbxqt
hah!
i just read it and i'm thinking...is this?....so funny.
its a spin on m'last name...
and i was just going to respond and tell her about someone else having a problem (you). small inna-webs :D
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| Posted 11/22/09 1:35 PM |
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