Anyone want to join me? Awaiting Mortgage decision...

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  • jessnat995
    jessnat995 Posts: 108 Forumite
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    Does anyone know if the lender will do another credit check before the house send the money over ? Got offer but house isn't going to be ready for 10weeks.

    Just curious more than anything else
  • kimvincent2604
    kimvincent2604 Posts: 6 Forumite
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    jessnat995 wrote: »
    Formal offer today from precise:)

    was reduced but then gave full amount,

    Applied on the 9th Feb 2017

    Was the 9th Feb the last time you submitted any paperwork Precise requested?
  • LKRDN_Morgan
    LKRDN_Morgan Posts: 308 Forumite
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    orangesmartie wrote: »
    and that's the hard bit!

    So I've read :D Fingers crossed
  • orangesmartie
    orangesmartie Posts: 330 Forumite
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    Lender just phoned me to 'check things'. Wanted me to confirm my name, address, phone number, email, employment status and address of purchase. Then said that was it and he was likely to make a decision today.


    Feels a bit weird really.
  • KTaneva
    KTaneva Posts: 22 Forumite
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    Omg vics I am so happy for you!
    Hope I receive my one soon also!
    This waiting is killing me !
  • orangesmartie
    orangesmartie Posts: 330 Forumite
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    Mortgage offer issued this evening! woohoo!
  • nliggins
    nliggins Posts: 4 Newbie
    edited 8 March 2017 at 7:01PM
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    I'm just joining in on this thread after watching and reading for the past couple of weeks, we applied through a Broker with skipton on monday 27th this is our time line:

    Date Decision In Principle received 27/02/2017 1
    Date application received 27/02/2017 Action Completed
    Date Minimum Submission received 01/03/2017 Action Completed
    Date case underwritten 08/03/2017 2
    Date Valuation instructed 27/02/2017 Action Completed
    Date Valuation expected 07/03/2017 Action Completed
    Date Valuation received Pending Action Pending
    Date case offered Pending Action Pending
    Date Certificate of Title received Pending Action Pending
    Proposed date of completion Pending Action Pending
    Date mortgage completed Pending Action Pending

    1 - 27 February 2017, 11:22:22
    2 - Pending Decision - Information Required

    We know from the vendor that the valuation has been carried out Friday 3rd March

    We have chased our Broker today who has told us that it's waiting with the Senior underwriter.

    It says todays date as date case underwritten but number 2 (information required) could this just be the valuation report? or might it be something else?

    I noticed yesterday that Skipton had set up the direct debit from my bank account - is this a good sign?

    It's been 8 working days today - am I just being totally impatient? I'm so nervous - I feel sick!

    thank you in advance for any advice :D
  • vics007
    vics007 Posts: 21 Forumite
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    KTaneva - I have my fingers crossed for you!!! Surely you will hear today or tomorrow?!
    The first time round (property fell through) our mortgage offer came through by text at 20:36!!! x
  • KTaneva
    KTaneva Posts: 22 Forumite
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    Thanks . Yes , hopefully I will hear today or tomorrow . I just had an email from experian saying that there has been a hard search on my credit file . I've checked it ,and it's showing NationWide but with date on search on 27.02 ,more than week ago .
    The worst thing in the world is to wait for long when u expect some big,important answer . I don't know how I will hold myself ������
  • ProudDad
    ProudDad Posts: 63 Forumite
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    nliggins wrote: »
    I'm just joining in on this thread after watching and reading for the past couple of weeks, we applied through a Broker with skipton on monday 27th this is our time line:

    Date Decision In Principle received 27/02/2017 1
    Date application received 27/02/2017 Action Completed
    Date Minimum Submission received 01/03/2017 Action Completed
    Date case underwritten 08/03/2017 2
    Date Valuation instructed 27/02/2017 Action Completed
    Date Valuation expected 07/03/2017 Action Completed
    Date Valuation received Pending Action Pending
    Date case offered Pending Action Pending
    Date Certificate of Title received Pending Action Pending
    Proposed date of completion Pending Action Pending
    Date mortgage completed Pending Action Pending

    1 - 27 February 2017, 11:22:22
    2 - Pending Decision - Information Required

    We know from the vendor that the valuation has been carried out Friday 3rd March

    We have chased our Broker today who has told us that it's waiting with the Senior underwriter.

    It says todays date as date case underwritten but number 2 (information required) could this just be the valuation report? or might it be something else?

    I noticed yesterday that Skipton had set up the direct debit from my bank account - is this a good sign?

    It's been 8 working days today - am I just being totally impatient? I'm so nervous - I feel sick!

    thank you in advance for any advice :D

    Hey

    Wouldn't worry about the number next to case underwritten as we literally got our offer through from skipton on Saturday and it still shows that.

    Best of luck ours came through really quickly after the valuation came back.

    Chris
    Proud dad to two little ones who light up every day :)

    Live every day like its your last because you never know it might just be!

    I do work for a bank however any comments I make are my own and should not be seen as me giving advice or in any connection to my employer.
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