@nelsont it’s a new construction and it was set up to be ready on that date, my realtor said we should of been good with dates. I just spoke to my realtor and he said that he already received CTC for other members that submitted their applications 2 weeks after me, that’s what i’m so confused about.
OK so new construction provides a couple extra wrinkles. The appraisal is done at a later point and is often a hold up. Then there’s the completion factor. Has the house been completed and is in move-in condition? That could be another hold up.
@nelsont yes, house was completed since the beginning of December, appraisal and everything else needed has been completed. VVOE Was completed on 12/30 and initial closing disclosure had a date of 1/3, mortgage department stated that their is no conditions pending and everything else is completed, is just the lender not giving the CTC.
@peapod0609, @our1sthome, @nelsont, @ttrumble. Called Mortgage Department and got through….Talked to Gary, most helpful person there is there. Couldn’t tell me much, but was able to tell me that it looks like I’m in Final Review but they are waiting for HOA information. All fine and good, but coming really close to our extension date ending and getting worried. Who contacts the HOA?
It depends on what kind of information they want. It could be you/your agent or it could be a phone call between them and the bank, in which case it’s up to the HOA to pick up the phone or return messages which doesn’t always happen right away.