What a sweet thing you said on Glen Campbell's "Witchita Lineman". I HAD to personally write to you, because it seems like lately, every video I post a comment on, on You Tube disappears. That was really, really sweet, and makes me happy to read something on there besides cussing, putting God down or so many more bad things. Hope God smiles down on YOU with many, many blessings!! Take care!!

The FHA guidelines which have new additions on a weekly basis have intimidated the underwriting community to the extent that they are afraid to allow a file to clear because there could be a possible error which could come back to haunt them.

We used to strictly adhere to closing dates on contracts, now it seems to be a crap shoot if the transactions come to fruition... period.

Edith Lank thought the buyer got his loan commitment in 33 days- that is a nope. The video states 33 days of underwriting torture, that underwriting process was 4 days just a few years ago. The loan process begins with an application after home inspection and attorney issues are resolved, then the appraisal is completed (this adds time if there are appraisal issues, which are currently commonplace), and finally the file submitted to "underwriting". This file compilation process usually takes approximately 30 days from the agreed and executed contract if efficiency is involved.

Then the completed loan application goes to underwriting. So everyone is left sitting on pins and needles waiting to see if the loan will be approved, and the seller (who is usually in boxes by now), hopes this will make the closing date in the contract, which in the FHA Fiasco was changed 3 times. Can you imaging the logistical and emotional problems incurred by both parties and the stress it creates on attorneys, realtors and mortgage brokers? To me this is inexcusable and it is happening all the time, all across the country.

Hello, thanks for stopping by my channel. Here is a link to a better description than I could give of how "The World Is A Ghetto" came about. http://www.songfacts.com/detai­l.php?id=7611 Morris "BB" Dickerson, original WAR's bass player sings lead on this song. WAR's original lineup is HOWARD SCOTT/guitar, HAROLD BROWN/drums, BB DICKERSON/bass, LEE OSKAR/harmonica, these four men are called THE LOWRIDER BAND, but they ARE still WAR. LONNIE JORDAN/keyboards fronts the fake "WAR" that is owned by con-artist producer Jerry Goldstein. Two other WAR originals have passed on and don't have to deal with this BS, CHARLES MILLER/sax/flute and PAPA DEE ALLEN/percussion/congas.

not unique to FHA loans....we've been going through the same damn thing now for 3 weeks and seller is going to cancel the contract in the next 2 hours. Joy

Hi Bill:

This is hilarious.....because it is so true!

Julie