How long does it take to get a decision?

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This topic contains 5 replies, has 6 voices, and was last updated by  baya 8 months, 2 weeks ago.

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    This process has become very stressful for me!! I was given the green light to start looking for a home and I did. Received loan # and had house inspected. Have submitted countless documents and last week found out that the calculated my income wrong and my mileage income may not be able to be used. Which means I can’t get the loan😔. Seller wants to back out of deal. Was told that Naca UW and MC asked for mileage to count as income and citi is reviewing it.. PROBLEM….. was told there would be a decision by 5pm and no decision and seller is ready to cancel deal. How long does it take to make a decision from Citi when I was told that this would be expedited because literally In 2 weeks I will be homeless and out over $1000. Because of an error not on my part. I just need an answer one way or another.



    Hello ayasmiles72,

    Stressing out isn’t going to help you accomplish anything, and the only person who can make you stressed out is yourself. Try to relax. With two weeks left, you have plenty of time and honestly, no reason to be so concerned. Also, “Seller wants to back out of deal” is almost certainly an idle threat and is an old mind game seller’s agents like to play. The truth is “Seller wants to close on the deal.”

    I need you to please email me and let me know exactly who told you “there would be a decision by 5pm” and on what day. Especially since we are waiting for a decision from Citi, nobody in NACA would have the authority to make that statement, and I need to track that down.

    It sounds as if your file may be getting a second level review at Citi which means they would be reviewing it at a level to make and exception regarding the mileage if at all possible.

    Relax, have faith, and let the system work. I suspect you are going to be just fine.


    Tim Trumble
    Online Operations, NACA



    How long does it take to receive how much your qualified for



    Please give some more details. how much long is it taking to receive and your other qualifying factors and needs information.



    Hi Ayasmiles72
    Did you ever get your problem resolved? I have been looking at homes for over a year but I can’t even get a seller to accept my bid. I came on this blog to hopefully get some idea or clarity on why sellers do not want to work with me and NACA.



    I have delivered all the required documents from day one and updated them every month for the past 5 month but its hard to get hold off the MC…its hard to get response by email and hardly answer a call/respond to VM.How long it takes? Interest rate is going up .5% already and housing price also….6 weeks ago i was told I have a condition to fulfill by the UW and I did immediately but never get any response after that…what can i do any feedbacks

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