Buying A Home
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Is this even possible?
The short sale we're working on, the 1st and 2nd bank have both approved the deal, but now the 1st bank wants to move the closing date from the 25th of April to the 15th of April.
Is it possible to do everything - FHA appraisal, FHA loan, etc. etc, all before the 15th? I feel like we are cutting it super close.
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Re: Is this even possible?
The appraisal is going to be the hard part. FHA appraisers are pretty backed up right now.
I would probably try to meet them in the middle some where, maybe the 18th?
You can also see if your lender can offer the appraiser an additional rush fee to get the appraisal back asap.
Technically, anything (including an April 15th closing) is possible. Likely? No.
We're buying a house where the original offer fell through and they are under contract to buy something else. They tried to get us to close by April 9th after going under contract on March 10th. We're doing a conventional loan and our mortgage broker said that while he *might* be able to do the 9th he'd rather not risk it since 30 days is standard.
Truly, the bank probably knows this and just wants the deal done as soon as possible. If the mortgage process takes longer and delays closing, then I think you do an addendum to the sale and close as soon as you can.
For your purposes, I would agree to it but plan on closing no earlier than 30 days after applying for the mortgage so that you're not left temporarily homeless.
Considering 4/15/12 is a Sunday, no I don't think it's likely that you'll be able to close on that date.
April 16...? Maybe. It's 3 full weeks away, so it's do-able if everyone stays in constant contact so nothing accidentally falls through the cracks.
http://pandce.proboards.com/index.cgi#general
As in the bold part above, make sure you talk to the lawyers and everyone else as much as possible.
We are having problems closing on our house, due to some really rare circumstances and it is really hard to keep everything rolling.
The listing agent was able to get the first bank to move the closing date to April 25th. PHEW.
I feel like everyone is working REALLY hard to get this through asap. Which is great. Our inspection is tomorrow, keep your fingers crossed for us! If the inspection checks out great we will do the FHA appraisal next week and then be on the path to.... CLOSING. Ahhh!!!
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