Tagged: Credit access
June 19, 2020 at 3:54 pm #69587NLaw88Participant
I wouldn’t worry, I signed my P&S 5/1 and didn’t get submitted and approved credit access until 6/3. Everyone is different, but you’re definitely not alone.June 19, 2020 at 4:53 pm #69590
I look forward to seeing everyone’s progress on this thread.
-We signed our P&S on 6/10
-current status is property identified
– M/C has been in touch but yesterday during our meeting to go over our documents her computer crashed and unfortunately she hasn’t got back to us to let us know if we are good to go to underwriting or not.
So I’m currently patiently waiting.June 19, 2020 at 5:15 pm #69591
May 17, 2020 I attend ATD event
May 17, 2020- not approved condition
May 26, 2020- qualification status pending
May 28 QUALIFIED! YAAYYYY
JUNE 4 purchase workshop
June 5th otained letter, agent completed PSL we mad a offer
June 6th Offer accepted
June 6th signed p&s contract
June 17th HAND Approved
June 19th CREDIT ACCESS REQUESTJune 21, 2020 at 1:16 pm #69615
@ everyone ! Got my conditions from credit acces couple questions
1- they wasn’t copy of check used for earnest money used. The company directly drafted out my account so how do i clear this condition.
2-NACA summary sheet? Is my realtor suppose to submit this?
3-termite inspection and invoice. I have sent this already. The cost was included in the House inspection i used debit card. How to show proof?
Thanks!June 21, 2020 at 1:26 pm #69616
INFORMATIONRemove the bank statement with LOE for address on DL it has expired
My drivers license it’s by expired unless I am not understanding what this condition isJune 21, 2020 at 9:11 pm #69619NelsontMember
Not sure about #2.
See if you can get a duplicate copy of the electronic check from your bank. As long as your routing number was used that’s considered a check.
You need to go back to your home inspector and ask for either an itemized receipt with all the services broken out or an individual receipt for each service.
It sounds like only accounts for active IDs are requested and one statement apparently has a loe and is associated with an expired ID. If your ID is expired or nearing expiration you will need to renew it.June 21, 2020 at 9:30 pm #69620
@nelsont thank you ! Realtor submits Naca summary. Found the invoice in all these emails. My ID expires 11/20, so renew it ? I think the UW looked at my replacement date instead. But we shall see! Thanks!June 24, 2020 at 12:32 pm #69688
I wish I had a better update, but I still haven’t heard from our MC since our credit access appointment last week when her computer crashed. Our status on web file still says property Identified. We did get cleared by hand yesterday which was nice. Just praying that we hear some good news from our MC this week.June 25, 2020 at 1:29 pm #69734
@firstthome i have not had an update either. P&S proposed CD for 7/8. HAND CLEARED 6/17. Credit access gave me conditions 6.21 I haven’t heard anything From my MC. I had two question about two conditions but no vail. So im 13 days away from my date but I feel like im stuck. so hopefully today we can re submit to Credit Access.
Good luckJune 26, 2020 at 9:14 am #69759AlmostParticipant
Update: There isn’t one. After I wrote this post I got a message from my MC saying he’s still reviewing my file. Silence after that.
I’ve reached out the my MC, Regional Director, and Services. My file has had no movement. Unfortunately, I’m in San Antonio and the office was hit by Covid but I was assured that everyone was up and running from home.
My seller is getting nervous and I’m at risk of losing my earnest money.
I’ve exhausted every avenue I know to take.
Hoping for better outcomes for everyone else!!!June 26, 2020 at 12:07 pm #69765June 26, 2020 at 4:38 pm #69770
Hey all! So update
Resent to UW 6/25
Conditions again 6/26 (very repetitive, also credit report expired, mind you i payed for an updated report 6/23)
Appraisal order for 6/27 10am
So I’m guessing my credit access will be approved? I actually called my MC after the second set of conditions came back because it was like no one was paying attention to my file, the conditions were the same. He ANSWERED! He emailed the UW And stayed I should be reveling my bank app and initial loan disclosure! Keep hope alive guys! We are all so close!June 26, 2020 at 5:12 pm #69771
Credit access APPROVED !June 26, 2020 at 7:22 pm #69773June 26, 2020 at 11:47 pm #69784NLaw88Participant
Congrats!!!! On to the Bank App!
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