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my aimloan experience

Posted on: 15th Dec, 2010 06:47 pm
Just recieved confirmation of pre-approval and rate lock doc's. I will use this venue to share the process
Hi Guest!

Welcome to forums!

It is good to note that you have been pre-approved for the loan and also received a rate lock. Congratulations!!! :-)

Sussane
Posted on: 15th Dec, 2010 09:04 pm
congratulations to you for having pre-approved your loan. I wish you good luck.
Posted on: 16th Dec, 2010 03:10 am
yesterday I recieved email requesting personel info.
1 paystubs
2 2 yr tax
3 bank statements
4 mortgage info
5 explanation of recent inquiries x3
6 occupancy cert.
7 borrower authorization
8 signed req. for trans of taxes

items 6-8 they provided

I immediately sent all req. doc's within the hour.
follow up req. for 2 additonal items today.
In all fairness i will be unable to provide a acct. # and full declaration of ins. until monday. Hopefully this will be ok, not cause any difficulty.

appraisal scheduled for monday @ 1

we chose a 45 day lock considering the Holidays are upon us.

Merry Christmas
Posted on: 17th Dec, 2010 07:18 pm
Hi Guest,

As you've 45 days lock, I don't think you'll face any issues in getting the mortgage. You can send all the required docs once again on Monday and check out if the lender has received them.
Posted on: 19th Dec, 2010 07:51 pm
By any chance did they tell you where the 3 credit inquiries came from that they are questioning?

When someone gets quotes from different lenders and their credit files/scores are pulled during the shopping process, these inquiries will likely be questioned by the lender doing the actual loan. This seems to be a fairly recent occurrence but one people should be made aware of.
Posted on: 25th Dec, 2010 12:46 am
As you have preapprovaed the laon then lender will just do formality and get check once documents you mentioned.

Congrates....!!!
Posted on: 02nd Jan, 2011 05:49 am
UPDATE: had to be swithched to home affordable loan. house only approved at 365k not 400k. had choice to pay down 24k or switch. Could not get 7/1 on new program. did recieve fair rate and low cost.
Today I was ? on a 11k deposit back in 09/2010. I resourced it by sending doc's on where funds came from (vehicle sale) immediately. Now I wait and see how much of a delay this will have on closing if any at all. I hope all goes well because I need a lender on an excellent deal I just landed on a shorty.
Posted on: 04th Jan, 2011 07:25 pm
should have stated only appraised at 365k not 400k
Posted on: 04th Jan, 2011 07:26 pm
does anyone know what a credit supplement is or why one could be needed??
Thanks
Posted on: 05th Jan, 2011 05:34 pm
Where did you heard this term from? Haven't heard of this term before.
Posted on: 05th Jan, 2011 09:31 pm
Signed doc's today, will fund on or before deadline. Aimloan has provided us with excellent service.
Mark
Posted on: 07th Jan, 2011 05:39 pm
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