Hello all, I’m back with more questions. So I finally made it to uw ctc last week on6/3. My question is when do I move to ctc final? My close date per my contract is 7/22, however this date was only to allow time for any issues to arise as the builder does not allow extensions. They stated if I was available to close sooner I can. I’ve inquired to my cc several times, but haven’t really gotten a clear answer. I was told we can’t set a close date until cd is made which I understand but, this still hasn’t been created yet. And she said we can’t inquire regarding anything until I get ctc final. But I don’t know what the hold up or delay is. I initially thought it was voi, but they used the work number and verified my employment 7/5. From 99% of the posts on here people get ctc final the same day. I know my circumstances are not dire as many others are pasts their closing dates, which myself and the builder tried to prevent by making a 45 day close but I was hoping to close earlier due to work obligations. I’m not sure if thr bank is delaying until closer to the actual agreed close date or not. I haven’t found many situations similar to mine as it appears most of the posts people are past their close dates. Any help at all, it’s been 6 days at uw ctc, and I’m just concerned what the issue is.
We built our home. We stayed at UW-CTC for 2.5 weeks because they wait until the week before to do the final employment verifications. We moved to CTC-FINAL yesterday 7/8. We close Monday 7/15 so exactly one week.
@NewlywedHomebuyers , thank you for the information that is very helpful. Were you given the opportunity to close earlier, or is that the date that you want? It just seems like we’re going in circles, my CC is saying we cant request an earlier date until the CTC final and CD are made, but it seems the bank is delaying doing that until the scheduled close date.