Man was it a lot of work looking for all of those papers for the mortgage company. We eventually got all of our things together and met with NVR Mortgage. The only thing I didn't have was my 2010 taxes. The rep we met with advised she would send a request to the IRS for my taxes and not to worry about not having them. We were with NVR for about 1 1/2 hours and signed a ton of papers. We had to get a few bank statement things, so we returned the following day with the appropriate papers. I was a little shocked to learn we needed a check for $455 right then and there for credit report fees and such. I don't remember talking about this, but I took in so much at the meeting with our SR, so perhaps he told us and I just forgot. Who knows ?! Regardless, our rep advised we would get that back as a credit at closing.
We've only had a few minor issues with NVR thus far.
1. The mortgage reviewer advised she didn't have my taxes and I needed to send those. After I advised her that the rep we met with said I didn't need to worry about it, the reviewer just sent me a paper and had me sign for her to request them from the IRS. Just some missed communication there.
2. We received some papers in the mail that we needed to initial because there was a few typo's (wrong DOB and phone number). No biggie. We initialed and mailed those back.
3. We received a monetary gift, so we filled out a gift receipt at our initial meeting and had it signed by the people who we received the gift from. The reviewer said it wasn't in there and we needed to do another one.
4. We received a good faith estimate of closing costs in the mail and the figures were completely off. We are using a USDA loan, but they had us marked for an FHA loan. They didn't have the transfer tax calculated properly and the closing cost estimate was a few thousand dollars more than what we had been quoted. We made a quick stop to our SR for explanation. He wasn't too sure either, but said he'd get right on it and speak with NVR to get this all straightened out.
Hopefully there won't be any more issues, but I'm happy that they've only been minor at this point. Crossing my fingers that I didn't just jinx myself !