@tlthom76 You’re right there! Like @Nelsont mentioned, these last steps happen fast. For me, I was given a time of the essence from the seller, which put my file in overdrive. As stressful as it was, it’s what enabled me to close on Tuesday. Stay the course and politely pester until the keys are in your hand.
@tgarrett88, I’m in that boat. Sellers are giving me a hard time not wanting to extend the contract. Who do I pester at this point? Was your date on your initial closing disclosure the day you closed? I’m trying to avoid paying another $1900 on the 1st of Feb. I really hope it works out for me.
The sellers sent a time of essence to my lawyer via certified mail indicating that we had to close on the 21st by 2pm. My lawyer then sent that document to the regional manager. From there, he was able to escalate my file, following up with NACA mortgage processing center(714-822-6222) regularly. It was then when I finally saw some significant updates in my NACA portal.
I received my Initial closing disclosure and commitment letter in NOV, but was never able to get a HAND clearance because my house had so many closing hiccups due to reno. That said, there wasn’t a typical timeline for me. However, I kept calling and emailing (email@example.com ; @naca.com">firstname.lastname@example.org) until they finally pushed my mortgage through.
In short, keep calling and emailing EVERYBODY until you have your CTC.