Bluestone Mortgages

AR2022

feelinghopefull2022 said:

Well our application is now with the underwriters and our MA has said we should have an answer by close of business today. I’m so nervous that it will be declined. I’m terrified that my explanation of the adverse credit will be the reason as it’s due to my mental health. Can’t concentrate on anything until I know!

Hi, don't worry too much about your explanation! I had similar and my mortgage broker said it would be fine. I totally understand how you feel though, I'm pulling my hair out! Our case is still with the pre-underwriters. That's quick re a decision today!! Fingers crossed for you! 

feelinghopefull2022

AR2022 said:

feelinghopefull2022 said:

Well our application is now with the underwriters and our MA has said we should have an answer by close of business today. I’m so nervous that it will be declined. I’m terrified that my explanation of the adverse credit will be the reason as it’s due to my mental health. Can’t concentrate on anything until I know!

Hi, don't worry too much about your explanation! I had similar and my mortgage broker said it would be fine. I totally understand how you feel though, I'm pulling my hair out! Our case is still with the pre-underwriters. That's quick re a decision today!! Fingers crossed for you! 

I'm hoping that since we've got a AIP, and the signing off team at haysto have been through it and also the QA team at haysto. The lender came back said they wanted an explanation of the illness and 2 years of bank statement showing rent being paid and that was it. We submitted those Wednesday eve/Thursday morning and this morning the MA has said it has been with the underwriters since Thursday afternoon and that we should hear by COB today eeeek

AR2022

feelinghopefull2022 said:

AR2022 said:

feelinghopefull2022 said:

Well our application is now with the underwriters and our MA has said we should have an answer by close of business today. I’m so nervous that it will be declined. I’m terrified that my explanation of the adverse credit will be the reason as it’s due to my mental health. Can’t concentrate on anything until I know!

Hi, don't worry too much about your explanation! I had similar and my mortgage broker said it would be fine. I totally understand how you feel though, I'm pulling my hair out! Our case is still with the pre-underwriters. That's quick re a decision today!! Fingers crossed for you! 

I'm hoping that since we've got a AIP, and the signing off team at haysto have been through it and also the QA team at haysto. The lender came back said they wanted an explanation of the illness and 2 years of bank statement showing rent being paid and that was it. We submitted those Wednesday eve/Thursday morning and this morning the MA has said it has been with the underwriters since Thursday afternoon and that we should hear by COB today eeeek

Such a long and stressful process isn't it, but it will all be worth it! We had to submit another document to our broker today and its now in the final checks with the pre-underwriters. Fingers crossed we hear from them in the next couple of days and then it will be submitted to Bluestone! Fingers crossed you get some fab news today!! Has valuation been instructed for you yet? I looked on Bluestones website and it says they are working on fully packaged cases dated today so I'm hoping they are quick! I'll be so glad when all of this is over with haha! 

feelinghopefull2022

AR2022 said:

feelinghopefull2022 said:

AR2022 said:

feelinghopefull2022 said:

Well our application is now with the underwriters and our MA has said we should have an answer by close of business today. I’m so nervous that it will be declined. I’m terrified that my explanation of the adverse credit will be the reason as it’s due to my mental health. Can’t concentrate on anything until I know!

Hi, don't worry too much about your explanation! I had similar and my mortgage broker said it would be fine. I totally understand how you feel though, I'm pulling my hair out! Our case is still with the pre-underwriters. That's quick re a decision today!! Fingers crossed for you! 

I'm hoping that since we've got a AIP, and the signing off team at haysto have been through it and also the QA team at haysto. The lender came back said they wanted an explanation of the illness and 2 years of bank statement showing rent being paid and that was it. We submitted those Wednesday eve/Thursday morning and this morning the MA has said it has been with the underwriters since Thursday afternoon and that we should hear by COB today eeeek

Such a long and stressful process isn't it, but it will all be worth it! We had to submit another document to our broker today and its now in the final checks with the pre-underwriters. Fingers crossed we hear from them in the next couple of days and then it will be submitted to Bluestone! Fingers crossed you get some fab news today!! Has valuation been instructed for you yet? I looked on Bluestones website and it says they are working on fully packaged cases dated today so I'm hoping they are quick! I'll be so glad when all of this is over with haha! 

Where did you find this information? 

I’m hoping no news is good news 

AR2022

feelinghopefull2022 said:

AR2022 said:

feelinghopefull2022 said:

AR2022 said:

feelinghopefull2022 said:

Well our application is now with the underwriters and our MA has said we should have an answer by close of business today. I’m so nervous that it will be declined. I’m terrified that my explanation of the adverse credit will be the reason as it’s due to my mental health. Can’t concentrate on anything until I know!

Hi, don't worry too much about your explanation! I had similar and my mortgage broker said it would be fine. I totally understand how you feel though, I'm pulling my hair out! Our case is still with the pre-underwriters. That's quick re a decision today!! Fingers crossed for you! 

I'm hoping that since we've got a AIP, and the signing off team at haysto have been through it and also the QA team at haysto. The lender came back said they wanted an explanation of the illness and 2 years of bank statement showing rent being paid and that was it. We submitted those Wednesday eve/Thursday morning and this morning the MA has said it has been with the underwriters since Thursday afternoon and that we should hear by COB today eeeek

Such a long and stressful process isn't it, but it will all be worth it! We had to submit another document to our broker today and its now in the final checks with the pre-underwriters. Fingers crossed we hear from them in the next couple of days and then it will be submitted to Bluestone! Fingers crossed you get some fab news today!! Has valuation been instructed for you yet? I looked on Bluestones website and it says they are working on fully packaged cases dated today so I'm hoping they are quick! I'll be so glad when all of this is over with haha! 

Where did you find this information? 

I’m hoping no news is good news 

No news good news is exactly what our brokers says so fingers crossed!!! 

If you go onto the Bluestone.co.uk website and select im an advisor instead of customer at the top right then scroll down on the main page to the bottom it says there. Hope this helps!! Did you get a response from them? 

feelinghopefull2022

AR2022 said:

feelinghopefull2022 said:

AR2022 said:

feelinghopefull2022 said:

AR2022 said:

feelinghopefull2022 said:

Well our application is now with the underwriters and our MA has said we should have an answer by close of business today. I’m so nervous that it will be declined. I’m terrified that my explanation of the adverse credit will be the reason as it’s due to my mental health. Can’t concentrate on anything until I know!

Hi, don't worry too much about your explanation! I had similar and my mortgage broker said it would be fine. I totally understand how you feel though, I'm pulling my hair out! Our case is still with the pre-underwriters. That's quick re a decision today!! Fingers crossed for you! 

I'm hoping that since we've got a AIP, and the signing off team at haysto have been through it and also the QA team at haysto. The lender came back said they wanted an explanation of the illness and 2 years of bank statement showing rent being paid and that was it. We submitted those Wednesday eve/Thursday morning and this morning the MA has said it has been with the underwriters since Thursday afternoon and that we should hear by COB today eeeek

Such a long and stressful process isn't it, but it will all be worth it! We had to submit another document to our broker today and its now in the final checks with the pre-underwriters. Fingers crossed we hear from them in the next couple of days and then it will be submitted to Bluestone! Fingers crossed you get some fab news today!! Has valuation been instructed for you yet? I looked on Bluestones website and it says they are working on fully packaged cases dated today so I'm hoping they are quick! I'll be so glad when all of this is over with haha! 

Where did you find this information? 

I’m hoping no news is good news 

No news good news is exactly what our brokers says so fingers crossed!!! 

If you go onto the Bluestone.co.uk website and select im an advisor instead of customer at the top right then scroll down on the main page to the bottom it says there. Hope this helps!! Did you get a response from them? 

No response 😢 it went to them Thursday afternoon and my MA said I’d head today 😢

Cazzy53

Just thought I’d share an update. My solicitors have received the mortgage advance from Bluestone and I will complete tomorrow! It’s been a long process but keep the faith…….you can get there!!!!!

AR2022

feelinghopefull2022 said:

AR2022 said:

feelinghopefull2022 said:

AR2022 said:

feelinghopefull2022 said:

AR2022 said:

feelinghopefull2022 said:

Well our application is now with the underwriters and our MA has said we should have an answer by close of business today. I’m so nervous that it will be declined. I’m terrified that my explanation of the adverse credit will be the reason as it’s due to my mental health. Can’t concentrate on anything until I know!

Hi, don't worry too much about your explanation! I had similar and my mortgage broker said it would be fine. I totally understand how you feel though, I'm pulling my hair out! Our case is still with the pre-underwriters. That's quick re a decision today!! Fingers crossed for you! 

I'm hoping that since we've got a AIP, and the signing off team at haysto have been through it and also the QA team at haysto. The lender came back said they wanted an explanation of the illness and 2 years of bank statement showing rent being paid and that was it. We submitted those Wednesday eve/Thursday morning and this morning the MA has said it has been with the underwriters since Thursday afternoon and that we should hear by COB today eeeek

Such a long and stressful process isn't it, but it will all be worth it! We had to submit another document to our broker today and its now in the final checks with the pre-underwriters. Fingers crossed we hear from them in the next couple of days and then it will be submitted to Bluestone! Fingers crossed you get some fab news today!! Has valuation been instructed for you yet? I looked on Bluestones website and it says they are working on fully packaged cases dated today so I'm hoping they are quick! I'll be so glad when all of this is over with haha! 

Where did you find this information? 

I’m hoping no news is good news 

No news good news is exactly what our brokers says so fingers crossed!!! 

If you go onto the Bluestone.co.uk website and select im an advisor instead of customer at the top right then scroll down on the main page to the bottom it says there. Hope this helps!! Did you get a response from them? 

No response 😢 it went to them Thursday afternoon and my MA said I’d head today 😢

Oh bless you! My broker said today that they can take upto 10 days to review documents and request further info etc, then a further 5 days after valuation for a decision. I was hoping it would be a little quicker than that!! Try not to feel disheartened. Although I know I'd be just as upset when being told today I'd get an answer and then I didn't. 

AR2022

Cazzy53 said:

Just thought I’d share an update. My solicitors have received the mortgage advance from Bluestone and I will complete tomorrow! It’s been a long process but keep the faith…….you can get there!!!!!

Ah congratulations!!! All the stress was worth it. Hoping we will be in a same position soon! 

jenniferharrison18

I’m hoping I hear back from the underwriters tomorrow with no valuation needed! Has anyone found their application to be denied after the underwriter stage? 

How quick is the loan offer made after the underwriting stage? 

My stomach is in knows constantly I am just so nervous, I can’t sleep and just feel constantly on edge