June 1, 2020 at 5:48 pm #68809
@LRrodriguez129 That’s great! You’re pretty much done too! Now we just wait as patiently as possible. I got really excited why my webfile changed to that same status. I also read several of those stories on here as well, gave me so much hope! I was hoping that would be the case for me, but Im doubting it so far.
My MC is asking that seller let us extend if we are able to get CTC today and title company schedules close date and time. So we are currently waiting on his response to see if he will agree to it. Would seem like a bad move on his end if he didn’t agree to it. Im sure he will agree to it as long as its for tomorrow or next day.
Please keep me updated on your journey @LRodriguez129. Im sure you’ll be closing this week or right on schedule!June 1, 2020 at 8:04 pm #68817
Just got word that lender is just needing to clear the verification of employment. Luckily we were on top of this part and our employers are waiting on them to call for VVOE. Last step!! ??June 1, 2020 at 8:21 pm #68818jasmine1103Participant
Omg congrats it’s almost over !June 2, 2020 at 7:47 am #68834
Good morning @haulincubes91 Yay!! So happy that’s all that is needed!! So you should be receiving the CTC sometime VERY soon 🙂 Please let us know when you hear the good news. Did the seller agree to extend then?
I’m trying to wait patiently, but now I have concerns regarding VVOE because I work in a school and schools are closed. Also, my bank app was submitted 1.5 months ago. Should I upload bank statements and pay stubs since then for bank review now? I don’t want to confuse things but I also can’t afford to be delayed even more.June 2, 2020 at 8:31 pm #68866
Hi @LRodriguez129, I usually download all my stubs and bank statements and saved as a PDF so that when my MC requested something I could just attach it to the email right away. In regards to your VVOE I would contact your direct supervisor and ask them for the best phone number and email to whomever is responsible for VVOEs in your school….I’d get started in this ASAP. Just start reaching out to anyone who can point you in the right direction.
Today the majority of it was getting by job to complete VOE. My supervisor passed to HR who passed it to the Payroll Dpt and they have a 5 day waiting period! So I contacted my director who is over our whole department and she was able to get them to complete it and send it to my MC right away.
Please let me know how this goes!June 2, 2020 at 8:38 pm #68867
Received this awesome update around 2p today!!
Lender Status: Approved-Clear-to-Close Final – The Lenderâ€™s processors have obtained Verbal Verification of Employment (VVOE) and have cleared any other alerts. The loan is ready for the closing to be scheduled.
I was able to have VOE completed by my employer by noon. Immediately after that was received, my CC sent the Closing Disclosure. We signed it and scanned it in right away, then just like that we got CTC!!! ??
They were originally setting the close date for 06/09 but we were able to push for this Friday 06/05! I feel like a huge weight has been lifted! ??June 2, 2020 at 8:42 pm #68869jasmine1103Participant
This is awesome ! I’m so happy for you i have been reading your story and i can say i feel the excitement for you ! CongratulationsJune 2, 2020 at 9:09 pm #68871NLaw88Participant
That’s AMAZING!!! I’m so happy for you. Glad it took a little less than a week for everything to come together. I can admit though, it’s hard to see the light at the end of the tunnel when you’re in the middle of it all. Your story brings me hope. I found myself tearing up and exhausted today because it’s been a month and I still haven’t been credit access approved. But I’ll press on.June 2, 2020 at 9:28 pm #68873
@jasmine1103 Thank you so much for your support!! I’m weightless right now. ??
@NLaw88 You sound just like me a few days ago! I thought we were going to lose our house at one point but before you know it EVERYTHING falls into place. You just have to do your best to be prepared. I was checking my webfile several times a day, and emailing my MC often to find out what was going on with my file and asking her what the next steps are. If younaremt getting definitive answers timely from your MC you should reach out to him or her via email and attach your realtor, closing dept, and escalations dept. I found myself in tears a couple of times because I couldn’t seem to clear my conditions because of tiny little missing details. My realtor and my MC were both on top of getting my file to RUSH review and expediting my file and before I knew it, everything was cleared and I’m now scheduled to close in 3 days. Granted, I didnt make my original close date of 05/27 and 06/01, but I’m not even bitter about it because my file its CTC. ?? Please just stay strong and hang in there, it’s always been me sitting in the spot your in now and now I’m sitting in the spot I’ve been working to be at and you’ll be there too!! ✊✊June 2, 2020 at 9:47 pm #68875NLaw88Participant
I’m holding on for dear life! Close to closing crazies are real AF right now. And my MC is doing everything possible to help keep my file moving, but silly little things keep coming back from the underwriter. Thanks for all your encouragement though.My closing date is 6/15 so as time progresses I’ll definitely take your advice into consideration.June 3, 2020 at 7:21 am #68892
@haulincubes91 CONGRATULATIONS!!! I AM SOOOO EXCITED FOR YOU!! I can’t believe you got the FINAL CTC and everything including closing came together the way it did. I hope this Friday and this weekend is one of the happiest moments of your life 😀
I have been in contact with NACA regional operations manager and he has been helpful. He had a meeting with BoA yesterday afternoon so I am hoping it was with good results for my file. I am praying that today is the day I get some type of approved status from BoA. Will keep you updated. The seller is requiring us to close in 3 business days but I believe a miracle can still happen from reading your story.
Closing crazies are real.June 3, 2020 at 4:55 pm #68911
Hey @haulincubes91 and all! I got some good news today too 🙂 Got this on my webfile and was also notified over email- Lender Status: Approved-Clear to Close. Now they just need verbal verification of employment. I informed the regional director and closing coordinator that due to COVID, schools are closed. They said no worries and to upload/send most recent pay stubs so hoping to get final clear to close very very soon! June 8th closing is looking more optimistic. Thank you all for your kind words and support.June 3, 2020 at 5:31 pm #68921TacoParticipantJune 3, 2020 at 9:08 pm #68933Al92Member
One more good news.
Closed today at 2pm
Detailed timeline comkig soon.June 3, 2020 at 9:12 pm #68934purdynerdyParticipant
Keep the good news rolling for those in the mist of things!
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