My NACA Timeline
2/4/2017 – NACA Homebuying Workshop
3/31 – First intake appointment
6/8 – Follow-up appointment
7/6 – Appointment to be submitted to UW
7/14 – Submitted to UW
7/21 – Came back with a few conditions, wrote a few LOE’s (who am I kidding, I wrote a lot of LOE’s) LOL. Resubmitted
7/25 – Resubmitted to UW
8/1 – NACA Approved
8/3 – Purchase Workshop
8/5 – Started the housing search. My realtor was the best. 10 years NACA experience. I can give you his info if you are in the Charleston area.
8/12 – Housing search again. I made it easy for him by doing all of the searching and sending the houses that I wanted to see. Saw a house that was on the market for 2 days.
8/13 – Made a full price offer. Contract stated 9/28 closing date
8/14 – Offer accepted (Look at God)
8/17 – Meeting to submit paperwork for Credit Access
8/22 – Home inspection, Termite Inspection and Apprasal (all done on the same day) Gotta love my realtor.
8/29 – Bank App submitted
8/30 – Came back with only one condition (LOE to explain why my salary decreased from 2016 to 2017). I just let the system work. Every day that I checked my file, I saw some sort of movement, so I didn’t worry too much
9/18 – Got a email for that said CLEAR TO CLOSE. Totally didn’t expect it so soon. A email followed from the title company with the date and time. 9/28/2017. $215K house with 1.8% interest rate.
It wont be as easy for everyone. My key is to find a realtor with NACA experience. He was always on top of everything. I also lined all of my ducks in a row before I attended the homebuying workshop. Of course at times I wanted to give up because I felt as though “they were not moving when I wanted them to” lol. But along with you and many others, you will see the light at the end of the tunnel.