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Am I stressing too much?
I lurk here quite a bit and was hoping for some thoughts/reassurance.
My FI and I are under contract for our first home. We were prequalified in August for a FHA loan. Offer was put in and accepted in early August. FHA appraisal came in at the the necessary value and with no repairs. Home inspection and pest inspection have both come back, minor repairs that the seller already agreed to. We've already supplied our loan officer with our past 3 year tax returns, 3 months of all bank statements, 3 months of pay stubs, and a copy of our earnest check. With a 10% downpayment we stayed well under our prequalified amount and our total monthly payments put us well within FHA limits. Our contract is written for a Sept 30 closing. We're going to be calling our LO to follow up on where everything is today but I still can't stop worrying.
My FI wants to start packing and I'm terrified of jinxing everything! Our apartment lease is up Oct 15 so one way or another were out. Is this anxiety normal??
October 13, 2012
Re: Am I stressing too much?
You are stressing the usual amount.
The loan process takes much longer than it should and they will ask for the same docs over and over. You are not being unreasonable if you check in with them every 7-10 days to make sure things on are on track - more things go wrong in the world bc of no communication than too much of it.
Pack now. Doing so will not jinx it. Waiting until the last minute will make you cry, shout, fight with DH, swear at innocent bystanders and have heart pains. Really. I've moved 15 times in 11 years. Trust me on this.
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Thinking of doing cosmetic updates to a dated home? These were our costs.
I could have written this too, a month ago. I stayed on top of our loan officer and they were STILL requesting documents the day before and the day of settlement. We also settled 4 hours late on a Friday, so everyone was stuck there until 8:30 PM.
It was awful, it was stressful, I cried a lot, I fought with FI (REALLY fought, for the first time in our relationship), but now we're settled into our beautiful home and happier than ever.
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