SO I went over to the house today to snap some pics of pre-drywall.. I think I'm gonna leave the upstairs to my hubby. lol
I also dropped by the model b/c some of my family members have been checking into possibly getting a new home, and they were there. =) My rep told me to "STOP STRESSING ABOUT THE LOAN AND ENJOY THE PROCESS!" lol I love her!
Anyway...some information she passed along to me to help me relax more I thought I would also pass on to some of you!
You cannot get a pre-approval until the financial aspect of the loan is cleared. =) Now if you remember, we were only pre-approved for about $20,000 less than the cost of our home. But it was for the offer we sent in, not any of the final stuff, which they now have. They also told us we had nothing to worry about there. AND, if it weren't enough they said that, there was my husband's friend in the business. Back in the beginning he said we could easily approve for $225-250,000 on just our income. It was our past that was the problem And since our house is less than that, I think we're good! =)
Anyway, I digress. More info for you: Your final approval from underwriting is only good for so long. Did you know that? A lot of places it's only good for about 30 days. Some longer, but not a whole lot. So we can't get our final approval yet because of time constraints.
Oh Lord forgive me!! If our loan rep had only put it too us this way a long time ago! lol
So and impromptu stop by the model home to say hi to family turned into a wonderful news for me!! =) Hope it helps some of ya'll out there too!
That all being said... I have a favor to ask ya'll...
Our Ryan Rep has a chance to win a trip. She has been so amazing through all this. All my questions, and being neurotic, and change orders. I would LOVE for her to win the trip! So if you feel it's not to much to ask, could you say a quick prayer that she gets it? I can't tell you how hard she works. She is constantly there WAY past hours working. She goes above and beyond for all her clients that I know of. She really does deserve this trip. I really hope she gets it!
Ok...so that's it for now. I'll let ya'll know what my PM says about the stuff found out at inspection, and how our pre-drywall goes. As soon as siding is up, I'll post some pics. (hoping the wrap issues gets taken care of first. And knowing our PM, it will be).
Off to enjoy some time with my girls....