Friday, July 24, 2015

Closing completed!!!

We got the coveted Ryan Homes bag filled with useful goodies!!!!
Everything went well with closing. Took about 2 hours of which  30 min was waiting for the forms to go through QC and a copy made of all the forms for us. Our loan officer was in touch with us routinely so there were no surprises at closing and we knew exactly what we would be getting back.
A note for people using a VA loan:
We had a last minute surprise that we had pay off and close one of my credit cards for debt ratio, which is no big deal. The problem is that the VA recently made this change and we didn't find out about it until the day before closing. That left me scrambling to get my reward points cashed out from Cabela's as I would lose them when the account was closed. This can be avoided by making sure your card balances are low or zero, prior to applying for the home loan. NVR bases your debt ratio off that initial credit pull, so keep that in mind and use the info how best fits your situation.
All of our pre settlement blue taped items were fixed during the week. Can't say enough good things about our PM. We should have very little things to address at the 10 day and 30 day marks.
We will be posting more pics of how we decorated as we get the projects done and as funds allow, lol.

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