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Akajt98
Sooo Excited
Member since 6/06 2252 total posts
Name:
Jill
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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 
Tons of work coming our way, but we are super excited 
Let the fun begin 
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Posted 5/24/07 9:49 AM  |
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Prudential Douglas Elliman Real Estate
Long Island's Largest Bridal Resource | Long Island Weddings |
MrsRbk
<3 <3 <3 <3
Member since 1/06 19197 total posts
Name:
Michelle
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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
Tons of work coming our way, but we are super excited
Let the fun begin
Welcome to the "hood"
Congrats!!!
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| Posted 5/24/07 9:50 AM |
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Akajt98
Sooo Excited
Member since 6/06 2252 total posts
Name:
Jill
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Re: We are officially homeowners!!
Welcome to the "hood"
Congrats!!!
Thank you!! I am so excited to be your neighbor. Gonna have to have you over for some of your amazing design advice!
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| Posted 5/24/07 9:52 AM |
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chikita315
Love
Member since 8/06 7945 total posts
Name:
M-lo
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Re: We are officially homeowners!!
Congratulations!!!
Any pictures??
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| Posted 5/24/07 9:53 AM |
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mtnmama
Member since 5/06 4794 total posts
Name:
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Message edited 6/26/2009 11:13:22 AM.
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| Posted 5/24/07 9:55 AM |
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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Re: We are officially homeowners!!
Congratulations!!!
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| Posted 5/24/07 9:57 AM |
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kerrycec03
Mom of 2 beautiful boys!!
Member since 6/06 13519 total posts
Name:
Kerry
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Re: We are officially homeowners!!
Congrats!
 
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| Posted 5/24/07 10:24 AM |
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Akajt98
Sooo Excited
Member since 6/06 2252 total posts
Name:
Jill
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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):
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| Posted 5/24/07 10:38 AM |
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leese
Sarge!
Member since 5/05 1965 total posts
Name:
Leese
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Re: We are officially homeowners!!
Welcome to NJ! I am so glad things worked out for you!
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| Posted 5/24/07 10:52 AM |
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Kissy331
My two miracles!
Member since 5/06 17826 total posts
Name:
Kristen
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Re: We are officially homeowners!!
Congrats!!!
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| Posted 5/24/07 10:58 AM |
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NJmom
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Member since 8/05 4987 total posts
Name:
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Re: We are officially homeowners!!
congrats! 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. 
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| Posted 5/24/07 11:16 AM |
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Akajt98
Sooo Excited
Member since 6/06 2252 total posts
Name:
Jill
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Re: We are officially homeowners!!
Posted by BabyInMarch
congrats! 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.
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!!!
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| Posted 5/24/07 11:27 AM |
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Re: We are officially homeowners!!
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| Posted 5/24/07 11:36 AM |
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LAMGAJ28
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Member since 10/05 6039 total posts
Name:
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Re: We are officially homeowners!!
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| Posted 5/24/07 12:14 PM |
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Tine73
Member since 3/06 22093 total posts
Name:
*********
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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.
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| Posted 5/24/07 1:11 PM |
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KvsGrl
Round 2!!
Member since 1/07 1202 total posts
Name:
Samantha
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Re: We are officially homeowners!!
Congrats!!
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| Posted 5/24/07 2:05 PM |
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Akajt98
Sooo Excited
Member since 6/06 2252 total posts
Name:
Jill
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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
Congrats on your new house as well! How is it being a homeowner?
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| Posted 5/24/07 2:11 PM |
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MrsRbk
<3 <3 <3 <3
Member since 1/06 19197 total posts
Name:
Michelle
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Re: We are officially homeowners!!
Posted by Akajt98
Welcome to the "hood"
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!!!
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| Posted 5/24/07 2:13 PM |
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PotofLuck06
Our Baby Boy Is Here!!!
Member since 11/06 13241 total posts
Name:
Betsy
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Re: We are officially homeowners!!
Congrats!!!!!!!!
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| Posted 5/24/07 4:10 PM |
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MrsPowers
So blessed!
Member since 11/06 10348 total posts
Name:
Ivelysse
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Re: We are officially homeowners!!
Congrats!
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| Posted 5/25/07 7:00 AM |
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cazhley
I ♥ cheesiness.
Member since 1/07 1429 total posts
Name:
Cassie
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Re: We are officially homeowners!!
Congratulations! Glad you guys found the errors.
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| Posted 5/25/07 7:43 AM |
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