I'm finally in "clear to close" on my house. I've been living in this house for years and finally purchasing. It has been a hard process as I'm using a VA loan, an old house, and have questionable credit. I've had to fix my credit, get two appraisals (which I had to repaint the entire house as well as re-floor many rooms), and get two pest inspections. I've I've tried to be very careful, but recently had to use a credit card that was at a 0 balance. It was only $400 but already paid it off. The $0 balance hasn't showed on the credit report yet. The mortgage company emailed me saying congrats and they will have the close date soon. I'm reading that they re-check the credit before "clear to close" and other places it says they won't rerun until "close". So would I be "clear to close" if they still need to check my credit? I'm just VERY concerned that something could go terribly wrong at this point.
Read more: Mortgage in clear to close?
