Buying A Home
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Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
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Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
can I think of it as ours yet?
I have handed in all of the paperwork with mortgage application at the bank, have our down payment in the savings account, had the inspection last Saturday and have already signed and returned the good faith estimate and all other paperwork the bank mailed out to us.
Our bank was doing their appraisal yesterday and I'm told we're just waiting on the bank's mortgage commitment letter.
Could anything fall through before we get this letter? I asked the woman at the bank if she has everything she needs from us and I got this email back:
"Yup, just wait for your Commitment Letter. You are in good shape for now!"
The fact that she said "good shape for now" bothers me....like something could change before our closing date of 4/20
Re: can I think of it as ours yet?
IMO, you can consider it yours when you have the keys.
Underwriters like to request odd paperwork. You have 4 weeks of waiting to do yet.
I've closed on three houses. The first and third houses went through without a snag. For the second one, I was faxing paperwork hours before closing... as in closing was scheduled to be at 1 pm and the bank called me at 11 am telling me that they needed more stuff... and that was after I had the committment letter. There was a new charge on my credit report that showed up the morning of closing. It was fradulent (someone, not me, opened a Sears card in my name) so I had to get Sears to close the account, have the account that removed from my report and get all of that faxed to the bank within hours. It was crazy (this was 10 years ago, so consider the lack of technology) but I got it done and closed on time.
http://pandce.proboards.com/index.cgi#general
Once you get the keys- it'll be 100% yours!
We were asked to send a lot of weird documents everyday for about a week until closing. There were days when they'd say it was looking good then they'd say that a certain thing may be an issue. We just closed on Monday and I must say the underwriting process was the toughest part of the entire thing.
Just be prepared to provide documents and run around gathering information at the last minute. Hopefully you'll be lucky and have everything go smoothly!
Completely agree with this. I was waiting on underwriting the morning on the closing for my most recent house. Talk about stress.
I'm in agreement here. I'm not considering the house ours until I've got the keys.
Go ahead and do anything that can be cancelled with minimal or no penalty.
Don't order custom window treatments, new cabinets, have paint mixed, etc.
We bought a welcome mat and a small mat for inside the door that we could put down when we got the keys. After we got the keys we went and got paint, blinds, etc.
http://pandce.proboards.com/index.cgi#general
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