What is the HUD/VA Addendum to Uniform Residential Loan Application?
I am applying for a pre-qualification loan through Wells Fargo and I have already submitted this past Monday my W-2’s, Bank Statements, Pay Stubs, etc. Then, yesterday (Thursday) I had to fill out a HUD/VA Addendum to Uniform Resiential Loan Application, along with some other VA paperwork. IN the loan amount, there is a number of 8,7500 and the interest rate shows up as 5.5%. Now, I really never discussed in much detail how much I would be doing the loan for or the interest rate. I was just looking for a pre-approval. After doing some research, it looks like the Uniform Residential Loan application is something that you fill out when you are really going for a loan (not an issue b/c I am buying really soon). My question is did the underwriter already take a look at my information I passed with my personal information and now want this to complete the approval? I am supposed to find out in 7-10 days, but I am just getting jumpy/nervous/excited.
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It sounds like Wells Fargo is going to underwrite your loan application which is not the same as just getting pre-qaulified. The loan officer is assuming that you are going to close your loan with them. This is clear by the fact that they had you sign all of the forms.