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We are officially homeowners!!

Posted By Message

Akajt98
Sooo Excited

Member since 6/06

2252 total posts

Name:
Jill

We are officially homeowners!!

Happy to report that the closing went pretty smoothly and we are officially NJ homeowners.

I recommend to all those who are closing to review all documents very carefully. DH and I found a couple of major errors. For example they were charging us for a mortgage app fee that we had already paid. So they had to write us a check for $695 to make us whole. In addition they had written the wrong rate on our home equity loan and we would have been paying 8.25% instead of 7.25%. In the end everything worked out and the closing was only about an hour and half.

I highly recommend dealing with Chase directly as the fees associated with the closing were considerably less than other lenders. Even my attorney commented on the fact that the closing costs were very low.

After the closing DH and I headed back to the house and did some ceremonial tear downs of super ugly and old curtains, a desk in the kitchen etc etc...which was an amazing feeling as it is all now 100% our money pitt Chat Icon

Tons of work coming our way, but we are super excited Chat Icon Chat Icon

Let the fun begin Chat Icon

Posted 5/24/07 9:49 AM
 
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MrsRbk
<3 <3 <3 <3

Member since 1/06

19197 total posts

Name:
Michelle

Re: We are officially homeowners!!

Posted by Akajt98

Happy to report that the closing went pretty smoothly and we are officially NJ homeowners.

I recommend to all those who are closing to review all documents very carefully. DH and I found a couple of major errors. For example they were charging us for a mortgage app fee that we had already paid. So they had to write us a check for $695 to make us whole. In addition they had written the wrong rate on our home equity loan and we would have been paying 8.25% instead of 7.25%. In the end everything worked out and the closing was only about an hour and half.

I highly recommend dealing with Chase directly as the fees associated with the closing were considerably less than other lenders. Even my attorney commented on the fact that the closing costs were very low.

After the closing DH and I headed back to the house and did some ceremonial tear downs of super ugly and old curtains, a desk in the kitchen etc etc...which was an amazing feeling as it is all now 100% our money pitt Chat Icon

Tons of work coming our way, but we are super excited Chat Icon Chat Icon

Let the fun begin Chat Icon



Welcome to the "hood" Chat Icon

Congrats!!!

Posted 5/24/07 9:50 AM
 

Akajt98
Sooo Excited

Member since 6/06

2252 total posts

Name:
Jill

Re: We are officially homeowners!!


Welcome to the "hood" Chat Icon

Congrats!!!



Thank you!! I am so excited to be your neighbor. Gonna have to have you over for some of your amazing design advice!

Posted 5/24/07 9:52 AM
 

chikita315
Love

Member since 8/06

7945 total posts

Name:
M-lo

Re: We are officially homeowners!!

Congratulations!!!
Any pictures??

Posted 5/24/07 9:53 AM
 

mtnmama

Member since 5/06

4794 total posts

Name:

Message edited 6/26/2009 11:13:22 AM.

Posted 5/24/07 9:55 AM
 

SweetTooth
I'm a tired mommy!

Member since 12/05

20105 total posts

Name:
Lauren

Re: We are officially homeowners!!

Congratulations!!!

Posted 5/24/07 9:57 AM
 

kerrycec03
Mom of 2 beautiful boys!!

Member since 6/06

13519 total posts

Name:
Kerry

Re: We are officially homeowners!!

Congrats!
Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon

Posted 5/24/07 10:24 AM
 

Akajt98
Sooo Excited

Member since 6/06

2252 total posts

Name:
Jill

Re: We are officially homeowners!!

Here is a pic of the house.....it is an estate and needs LOTS of work to be done!

Image Attachment(s):
Posted 5/24/07 10:38 AM
 

leese
Sarge!

Member since 5/05

1965 total posts

Name:
Leese

Re: We are officially homeowners!!

Welcome to NJ! I am so glad things worked out for you!

Posted 5/24/07 10:52 AM
 

Kissy331
My two miracles!

Member since 5/06

17826 total posts

Name:
Kristen

Re: We are officially homeowners!!

Congrats!!! Chat Icon Chat Icon

Posted 5/24/07 10:58 AM
 

NJmom
.

Member since 8/05

4987 total posts

Name:

Re: We are officially homeowners!!

congrats! Chat Icon Chat Icon where in nj? we're in middlesex moving to mercer county.

funny thing about chase. we're using them too and several times i have caught "errors" that they have made and we haven't even closed yet. when i got my loan docs there were points added in that weren't supposed to be there. it was supposedly taken care of, but when everything was transferred over to the loan processor, the points were back. they also were giving me a higher interest rate on the HELOC than they originally said. i wouldn't have found out any of this if i hadn't asked. i'm hoping for no problems at closing. i wonder if these things really are "mistakes" or this is just the way chase does business hoping that you won't catch the mistakes. Chat Icon

Posted 5/24/07 11:16 AM
 

Akajt98
Sooo Excited

Member since 6/06

2252 total posts

Name:
Jill

Re: We are officially homeowners!!

Posted by BabyInMarch

congrats! Chat Icon Chat Icon where in nj? we're in middlesex moving to mercer county.

funny thing about chase. we're using them too and several times i have caught "errors" that they have made and we haven't even closed yet. when i got my loan docs there were points added in that weren't supposed to be there. it was supposedly taken care of, but when everything was transferred over to the loan processor, the points were back. they also were giving me a higher interest rate on the HELOC than they originally said. i wouldn't have found out any of this if i hadn't asked. i'm hoping for no problems at closing. i wonder if these things really are "mistakes" or this is just the way chase does business hoping that you won't catch the mistakes. Chat Icon




The house is in Millburn, NJ - Essex County.

I truly believe that the errors were just mistakes and not intentional. Our loan processor was really great and at the end of the day she was totally on top of correcting everything. I get the feeling that they just have so many of these that there is human error. That said, they really need to do some better due diligence and double checking. This is big $$$.

Best of luck with your move!!!

Posted 5/24/07 11:27 AM
 

Mrs. Patticakes
SPREAD KINDNESS

Member since 9/06

17330 total posts

Name:

Re: We are officially homeowners!!

Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon

Posted 5/24/07 11:36 AM
 

LAMGAJ28
.

Member since 10/05

6039 total posts

Name:

Re: We are officially homeowners!!

Chat Icon Chat Icon Chat Icon Chat Icon Chat Icon

Posted 5/24/07 12:14 PM
 

Tine73

Member since 3/06

22093 total posts

Name:
*********

Re: We are officially homeowners!!

Congrats!! The same thing happened to me. We got back about $1700. We used Citibank

ETA:
So did you move to NJ to stay with your company?

Message edited 5/24/2007 1:12:38 PM.

Posted 5/24/07 1:11 PM
 

KvsGrl
Round 2!!

Member since 1/07

1202 total posts

Name:
Samantha

Re: We are officially homeowners!!

Congrats!! Chat Icon Chat Icon

Posted 5/24/07 2:05 PM
 

Akajt98
Sooo Excited

Member since 6/06

2252 total posts

Name:
Jill

Re: We are officially homeowners!!

Posted by Tine73

Congrats!! The same thing happened to me. We got back about $1700. We used Citibank

ETA:
So did you move to NJ to stay with your company?





Thank you.

Yes, my company provided me with an offer that I couldn't refuse. I figure I will stick with it for another year or two until we have a family Chat Icon

Congrats on your new house as well! How is it being a homeowner?

Posted 5/24/07 2:11 PM
 

MrsRbk
<3 <3 <3 <3

Member since 1/06

19197 total posts

Name:
Michelle

Re: We are officially homeowners!!

Posted by Akajt98


Welcome to the "hood" Chat Icon

Congrats!!!




Thank you!! I am so excited to be your neighbor. Gonna have to have you over for some of your amazing design advice!


I look forward to that!!!

Posted 5/24/07 2:13 PM
 

PotofLuck06
Our Baby Boy Is Here!!!

Member since 11/06

13241 total posts

Name:
Betsy

Re: We are officially homeowners!!

Congrats!!!!!!!!Chat Icon Chat Icon

Posted 5/24/07 4:10 PM
 

MrsPowers
So blessed!

Member since 11/06

10348 total posts

Name:
Ivelysse

Re: We are officially homeowners!!

Congrats!

Posted 5/25/07 7:00 AM
 

cazhley
I ♥ cheesiness.

Member since 1/07

1429 total posts

Name:
Cassie

Re: We are officially homeowners!!

Congratulations! Chat Icon Glad you guys found the errors.

Posted 5/25/07 7:43 AM
 
 

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