Hand Department Clear now not clear

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  • #67540
    Niquak2020
    Participant

    Good Afternoon everyone! So I was hand clear received an email and everything. My status says approved outstanding condition. The condition states that need proof seller is responsible for repairs. I don’t understand why that is a condition when I was already cleared by the hand department. When I got my re-inspection done it stated one of the repairs was mostly repair but not completely. I signed a waiver stating I waive the repair. My question is once I signed that paper I was clear from the hand department now they stating that I am not 7 days later that’s why the condition is listed. Has this happen to anyone else?

    #67543
    MovingInMass
    Participant

    Good evening, Niquak2020. Who is the they stating you’re not clear, and what has been approved — credit access or the loan application itself? If it is HAND saying you’re not clear, so credit access can’t move forward, then forward back to HAND the email they sent to you and ask if there’s anything further you have to do. It could be that somebody is filling in and having to work very quickly or with too many files, and they missed it.

    If the “they” is your Mortgage Counselor or the Credit Access underwriter, likewise, just forward them the email from HAND that stated you were clear.

    If you’re already at the loan application stage, there are conditions that come in that your MC will actually handle, even though they appear under the “Lender Conditions” in a way that makes you think they’re your responsibility. If you’re not sure, ask your MC if there’s anything you need to handle. We received some documents that we went through and tried to figure out and were preparing to sign when they were actually just uploaded for us to see so we’d be familiar with them when we came to the stage of signing.

    Just keep communicating and keep cool (or sitting on your hands when it’s waiting time, like it is for us right now!) and it will all work out.

    Be well!
    MiM

    #67548
    Niquak2020
    Participant

    Hey MiM, So I’m in the loan process and my mortgage counselor has been out before this virus started. The manager of the hand department sent me an email that since the seller said on the purchase agreement he would fix all naca repairs that’s why the condition came back. Now my only thing is the rep that was handle my naca file is also out so we can’t ask him how I was able to be clear last week. My thing is okay one thing wasn’t fix all the way and he gave me the option to waive the repair I sign the paper and sent it back to him and I was cleared. Now this week the hand department is saying no it needs to be fix completely. This very trying time because of this virus soon as I work with someone they go out and I have to start fresh with someone new. Closing date was extended from 3/27 to 5/15 and I have a good feeling I’m not going to make that date neither…

    #67557
    MovingInMass
    Participant

    Hi, Niquak2020. I can understand your concern given COVID. If you have the email saying your waiver was accepted, send that to Ernesto Salazar, the HAND supervisor (ESalazar@naca.com). Explain your concern, and ask that HAND work to clear the condition. Mr. Salazar is usually very responsive and understanding, so hopefully that will work. If there’s nothing he can do, and you still can’t talk to your own rep, call your local office and ask them who to talk to in the absence of your own rep. They can substitute someone in who can address this.

    We have the same closing date as you now.

    Good luck!

    #67558
    Niquak2020
    Participant

    Hey MiM! So yes I spoke with him he was the one that told me the lender wouldn’t accept the waiver that my original hand rep had me sign. Congratulations on your closing date! I hope everything is going smoothly in your case!

    Good Luck Upcoming Homeowner 😊

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