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So happy you guys are almost done!!!! Any updates?? 🙂
Congratulations!!! I am hoping we will be doing our bank appt. next week.
Congratulations!!!! So happy for you!! Hopefully we will be right behind you. I’m hoping to do our bank app. next week.
Praying for you!!!March 6, 2013 at 8:51 pm in reply to: We don't live close to any NACA office, questions?? #6586
We both have to go to our bank application appt. & the closing. We did the purchase workshop over the phone & we were both present. But all of the other communications I have had, it has just been me, not my husband. We have both had to sign many documents, however.March 6, 2013 at 6:36 pm in reply to: We don't live close to any NACA office, questions?? #6580
Hello! It is correct that we are four hours away from the closest office. We started the process by making a phone appt. with the Chicago office. We have done everything remotely thus far, via phone/email/fax. We even did our purchase workshop over the phone. I just put the MC on speaker phone so that both my husband & I could listen in & ask questions.
We have had bumps in the road because we aren’t close or dealing with people face to face. But I have kept records of every email sent. I have a notebook full of paper copies of every document. And if they ask for it again, just automatically send it! It goes so much quicker that way! We have been very fortunate to have worked with wonderful people in both the Cleveland & Chicago offices.
Our first trip to an office will be to do our bank application, hopefully, next week! Then our last appointment/trip will be to go to a title agency (who is certified to work with our state) in Cleveland to close! So the light is at the end of the tunnel. We started in June of last year. And we were NACA qualified in January & found out house a few weeks later.
Good luck!March 5, 2013 at 10:05 am in reply to: How will we know exactly how much to have for closing? #6516
Thank you! I just didn’t know what that stood for.March 4, 2013 at 8:47 am in reply to: How will we know exactly how much to have for closing? #6501
What is NSF? Thank you!
There are no contractors in Michigan; therefore, I had to find one of my own. But he does not charge to bid either. I think you should find someone else!
We ran into a similar problem with our student loans. Our MLO stated that they have to take 1-1.5% of the total student loan amount to calculate your monthly payment. Ours was nearly $1000 per month. So I understand your pain…. I hope that you are able to get them to recognize a more reasonable payment to show that you can afford a decent mortgage payment!
awesome!! Thank you! This is so exciting!!!!!
It has been a journey, but so worth it. This has taught us to be more fiscally responsible & taught us to find an affordable home in our price range so we can continue to meet our financial goals. So grateful.
We are all set! Was cleared up by me simply re-sending our qualification letter.
HAND has been great so far! Feeling very blessed & lucky that we are trucking along!
I agree that for those at this stage, a contingency plan should have been in place. SOMEONE should have been handling these important files while that event was taking place. It makes no sense.
Evidently we have to have a septic inspection & a HVAC Inspection. Then hopefully we will clear HAND & move on to the bank application.
I noticed there is an American Dream event coming to Chicago on Feb. 28. Could this delay our bank application? Thanks!
There is not a NACA office where we live in Michigan. So we did everything remotely. We did everything via phone/fax/email. If you are far enough away from a local office, you should be able to do the same! Good luck!