I received my initial disclosure a few days after the CTC: Final, then got the final disclosure a few days after that, if it helps. I also didn’t get my final disclosure until around 7:30 p.m. the night before closing, and we had closing scheduled for 11 a.m. the next day. So timing was tight, we didn’t get it until what, 15 hours before close? Sometimes that’s how it happens.
Our timeline below. Hang in there, you are so close!
– UW – CTC on 11/06 and verbal VOE’s and CTC Final on 11/07
– Initial CD on 11/12 ,and Final CD on 11/14
– Closed 11/15
01/12 signed P&S agreement and had it uploaded. From this day up until 02/07 I received various conditions, all were minor such as verifying things and writing LOE’s.
02/07 received initial closing disclosure that had incorrect final interest rate
02/13 spoke to my MC and had my finances verified to ensure I could buydown to max 1.25%. Finances confirmed and UW issues a change of circumstance to get my final interest rate down to 2% after buydown
02/20 received final CTC status in my webfile (it was previously “approved with conditions”). Per the UW, I should receive a final cd from the closing attorney. There has been a chain of emails going around today that include nacaclosing, the title company, and my mc. Everyone has been trying to coordinate a cd, but have yet to have a confirmed closing date in writing. per the contract, the closing date is 02/27.
This reply was modified 2 years, 5 months ago by JR0312.