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Thanks Nelsont, well, to be more specific. Two of my Friends started the process on 2019 after Citi exitied. One of them closed last december when I started my process. About my documents I renewed my EAD recently and after that I started my process with NACA and the next renewal will be again at the end of 2021. that’s why I ask what recommendation can I follow now?
Hi, is there more participant lenders other than bofa? Apparently I haven’t had good luck with the bofa underwitter and after 45days days on underwitting process, for him is not enough my EAD and SSN to give the clear to close. I have other members from my family and some friends that bought house thru NACA (bofa) with the same Documentation I have and they didnt have any problems (an unexpired EAD and a SSN). the question is what do I do? can I request change of bofa underwritter? can I request Naca submit a new application an hopefully it will be take by a new underwritter?
I will do. Thanks so much Nelsont!
Nelsont Thanks for being so quick to respond. Often a few guiding words serve to understand better than endless silence. When you say continue upload did you meant keep uploading pay stubs and statements or keep fixing conditions? after I get my credit access approval 40 data ago my MC told me just you dont need upload anything else. I will let you know when I need something from you.
jdrodr2 jdrodr2 don’t feel frustrated. my closing date supposed to be last Mar31; the builder gave me an extension 15 days more until tomorrow. my status is still as underwitting initial review. my MC sent my application to the bank last Mar05. all the conditions that the underwitter has requested are the same documents that are already loaded in the file. I don’t understand that either. I think that about 30 times the underwitter has posted conditions at different times but strangely underwitter did not posted them all at once. I mean 10 conditions in 1 week then 7 the next week then 4 more and so on and many of them have been repeated over and over again. So, this is really frustrating because my file has 40 days on underwitter hands and they did the home appraisal one month ago. Also obtain information from my MC has been very difficult by email and even if I call to the office. The only think I know is we are waiting
Hi, it has been my mortgage process after credit access approved:
MAR05 lender status initial review
MAR09 file incomplete pending review
MAR09 New conditions added
MAR13 Naca fixed conditions
MAR16 New conditions added
MAR16 Naca sent Change of circunstances
MAR17 more conditions added
MAR23 NACA fixed conditions
MAR23 lender status initial review
MAR30 new conditions added
Mar31 Naca sent Change of circunstances
Apr02 new conditions added
Apr02 Naca fixed conditions
Apr06 underwitting-2nd-opportunity. the file is pending decline (suspended) and is back to a lender underwitter for a second review. No conditions.
My question is what’s going on? I already have 35 days on the mortgage process. The builder gave me and extension for 30days until MAR31 and now I’m in my 2nd extension until Apr15. What comes next?