My husband and I have been trying for a home loan since Jan 2013. We have went through 2 lenders, and we finally found one who will process our stuff. We Lost one house already because the first 2 lenders said we didnt have proof of rent and they wouldnt go around that, that they couldnt do anything more or move forward with things because of that. My opinion, (unfair). The lender we are going through now, ( after we went back and found another home because the last sellers didnt want us as buyers anymore), he asked us to give him alot of docs, so we did just that. EVERYTHING. Once everything was in, they said go ahead with the inspections & apraisals. Once that was all completed everything was running okay. heard hear nothing for 3 weeks. Now keep in mind we started this loan process for this property with this bank in around the 2nd week of august. it is now dec 5th. they started coming out with emails basicaly asking me what color clothes i wear, a million things. I answered everything they asked in writting within minutes everytime i needed something.
this has went on untill oh about a week before thanks giving. we have had to sign 3 extensions for this home in which the second was going to expire on thanks giving 2013 and we still had no word on closing. after thanks giving my realitor had already asked the sller to sign an extexnion and he did thank god! now we are waiting for the title to come back, they said we have enough money in the bank to close, and they would get with me on monday to let me know when the title comes in.an anyone tell me why in the hell this has had to take so freakin long? and whats going to happen after the title no one will answer my questions directly, nor will the give me a concrete answer on ANYTHING. I'm the customer, not them. Why are they treating us this way?
this is a FHA home loan that we are getting no one will let us got conventional, everyone tells us its not for us? and they wont let us make that disicion. someone shed so true light on this and explain to me why this has taken over 4 months? thanks -Anna