Wednesday, February 17, 2016

Purchasing a home/ underwriting. Is this accurate?


Hello. My husband and I are currently trying to purchase a home in Dothan, Al through Interlinc Mortgage. We started the process in Jan. 27, 2016. My husband has a full time job and part time job and we instantly provided them with the pay stubs and bank statements. Everything was going smoothly then they wanted proof of all the money we had given them or money that was on our accounts as cash deposits. Which was Christmas and birthday money. We are now in underwriting and have been for almost 3 weeks. Our closing date is next Thursday. They have yet to do the appraisal or take the down payment of $4,000. We have signed paperwork on the house. They say that what's holding us up is the gap in between my husband's school and his working a year and a half ago, but we were in California at the time where jobs were highly scarce and we were living with my parents. We have had jobs the last year and a half when we moved here. They aren't the same jobs because his were through a job agency. But he is now employed with a vet clinic full time for 3 months. We are wondering if the past will prevent us from closing on our house or if there is another route we can take. My mortgage person will not get back to me and when she does she is very short with us, never calls back and ignores our calls, emails, and texts. This is making us very worried and uneasy. Does anyone know if this is what it's like through all places? First time home buyers.

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