Scheduled to close TODAY, still no clear to close!

As the title says, we are scheduled to close this afternoon... and we still have not received a clear to close from the underwriter. The seller flew in from out of state last night to close today and needless to say, I am freaking the F out. I'm near a heart attack, I think. Am I freaking out for nothing? Why would they wait so long to do this? Has anyone else experience a similar situation? I want to cry! To add: This has to be done today because I start a new job on Monday and closing has already been rescheduled twice.

Weatherguy wrote:
I filed a complaint with BBB and now chase's executive office is investigating. They have caused me a lot a grief and anguish for wasting my 2 months of my time and risk losing my deal on condo. I'm really upset the Underwriter had me to close 3 of my credit cards that were in good standing. My credit is excellent and there were no need to close anything. Also, I've been waiting for the declination letter for 2 weeks. They tell me its in 2nd level underwriting. What good is it being in 2nd level underwriting when the contract expired and the HOA still doesn't have reserves. They don't know anything about my getting extention for my new Lender. Also, once I close with my new Lender, I am going to deal with Chase further. I don't like the fact the requested 12 months checking statements and asking me if funds from April 2014 was seasoned when it is was June 2015 when they asked me. They are very incompetent.Were you at least told why on the request to close credit cards? Or the bank statements? Second one I could see if something were odd, first one, were the credit cards recently opened or something? I know I would've pushed back or walked personally unless there was a darned good reason. I agree with S10's assertion that Chase wants the jumbo market, not sure if I got lucky or because I was chasing a jumbo mortgage in the expensive area around here that I got a referral to the LO who works up there who happened to be in on a Saturday whereas neither of the two bankers at the branch I typically go to were. Something to be said for a LO that is willing to meet clients 6 days a week, small talk with the referrer suggested this LO is something like top 5 nationwide in terms of mortgages processed for Chase. Do sort of wonder if I'd run into this LO straight off, with a request to get the now much smaller mortgage, if I would've gotten the same treatment? I do know that I would've been dumped off to one of Redfin's partner agents rather than getting the one I got, so presumably that might factor elsewhere too.

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USDA direct- my process-CLEAR TO CLOSE!

There is quite a bit of info out there on various mortgage processes but very little to be found by googling USDA direct. I figured I would share my experience so others might have some more info going into this process. I started rebuilding (in honesty building) my credit last may (2014). Took out a share secured loan thru my very local credit union to pay off some old baddies on my report. Got everything paid, and all but 1 negative off my report in a few months. (Lots and lots of phone calls, GW letters and a bit of luck (thanks for cramming all those bills T-mobile)).In December I submitted a pre application to my local USDA office. Got a phone call back a week later. She actually transferred me to another office in the next county (Thank youfor that.) I called the lady who was listed as the coordinator for that office on 1-7-2015. We chatted for perhaps 15 minutes, she explained the program very thouroughly, answered a few of my questions and asked very nicely if I would like her to send out the full application. She inquired about my credit, I gave her a basic rundown, relatively new, clean EQ (last collection never got to that report 1 very old paid negative on TU and EX.) She said that should be fine, might require a letter of explanation.Recieved full app on 1-9 (wow, thats flying for government work right?). Began filling out the app. Had a couple questions, so I emailed her, to ask. Response within 30 minutes. Finished application, printed out 4k pages of financial documents (OK very SLIGHT exaggeration). On a whim, decided to call TU to see if my 7 yr old collection could be early excluded before I sent in my app.TU early excluded. WOW nice. EX I spoke to a very nice lady who told me it wasnt possible to do until February. OK, I figured I will wait to submit my app for a couple weeks.Fast forward to 2-2-15, (of course 2-1 had to be a Sunday, so had to wait to call EX.) Spoke to the same very nice lady (wow dumb luck there). She granted the early exclusion. Told me it might take 24-48 hours to update. I printed out updates to bank statements that had changed to make an addendum to my application. Created a spreadsheet for my net worth to add to my app as the numbers had changed. Midway thru completing that I got an email from EX saying they had updated my file. Log on, print out (wow shiny) clean EX credit report.Stuff a novel's worth of paperwork in an envelope and mail to the USDA on 2-3-15. 2-23-15, get a ping on capital one credit tracker of a new inquiry. CBB Innovis. Shortly thereafter CK sends me an email, new inq TU and EQ. CBB Innovis. 2-26-15 my fico inquiry only on EX and EQ (still no inq on TU on my fico as of 3-17 lol). Go into work on 2-26-15 and find out they called to verify my employment.nothing happens for a week, so being me (impatient and curious to put it nicely) I send Amy an email. Simply asked if there was anything else she needed from me. 20 minutes later I get an email, my file is on her desk for review, hopefully next couple days.3-15 I send an email to her to update info (secured loan will be paid off as of 4-1-2015 13 months earlier than the term just wanted to let her know in case that changes anything) 3-16-15, first thing in the morning she emails me back says fantastic as that helps with DTI, will give you some flexibility on amount of loan, please call me. I work nights so first thing in the morning is the crack of noon. I call her, she asks when can I come in for my homebuyers meeting. She suggests Friday 3-20-15 or the following week. Well Friday 3-20 is march madness. and while buying a home > just about everything, march madness for me is one of the rare times all of my very old friends get together for 4 days of pretending we aren't middle aged. I say Monday, Thursday or Friday of the following week would be perfect. Meeting set for Monday 3-23-15.Will update as things progress. Honestly the only real advice I would give someone going into the process is follow up when you know things have happened. Patience may be a virtue, but advocate for yourself, do it nicely but don't let yourself get tossed onto a back burner. My coordinator has been friendly and knowledgeable every step of the way, but it has been more of I send an email or make a call and we move the next step. Simply sending a polite email asking if anything else is needed can move you along.The other thing I would advise, send anything they could possibly want. She thanked me for the completeness of my financial documents when I sent them in. I sent 3 months of paystubs rather than 2 pay periods, an explanation on 1 of my bank accounts (only had 1 statement as they are quarterly) and a current register print out. If you think they might need it, just send it. Pro tip: your 6th grade report card is not neccessary.As I said I will add to this as it moves along.Thanks for reading,PF update.... had my orientation meeting 3/23/15She went over the program, no big suprises. She told me what my pre qualification amount would be. (It varies depending on the overall monthly payment, selling price is not the main focus here (northern illinois) as property taxes can vary wildly). Basically i can go up to a payment of around 700 dollars a month (which she was fairly negotiable on because of mitigating factors (MY HIGH CREDIT SCORE (Hehehe) and having relatively high cash reserves.) I was told i should have my Certificate of Eligibility in my hands by 3-30-15. She emailed me on Friday 3-27 to tell me it was on its way.I responded with an email containing several properties to confirm they were in rural areas (we have some strange islands of non eligible areas). Response within a half hour confirming all homes met the criteria. Met with a couple realtors during the week, found one with usda experience that i liked, start the looking for real process on 4-01-15.Will continue to update as I move along.oh, i will qualify for subsidy, but probably won't use it. My payment will put me right where I wanted to be anyway.Update 3-31-15 certificate of Eligibility in my hands. Talked with a few realtors, 2 which had USDA experience, 1 who didnt. Didnt like the two who did, so rolling the dice with the other one. Went and looked at several houses that fit my budget and needs. Have a handful more to look at next week. The one i like best is 6 sq ft over size restrictions, but well under budget, coordinator says a waiver should be no problem as my payments will be low enough to allow higher utilities. And I told her i would turn off the heat in the bathroom Did some more looking, found a great house in almost the exact neighborhood I would have chosen, impressive considering my search comprised of 6 whole counties and parts of 3 more. Saw the house on thurs 4-30-2015. Made an official offer today, Sunday 5-3-2015. My agent has been fantastic, and my USDA coordinator every bit as good. They have seemed to kind of start working together, almost seamlessly. It is my agents first USDA loan, so he is learning as he goes, but after being skeptical at first he seems to have embraced it. Hes been in the biz for a long time and is positively mystified he hasnt seen one based on the amount of his areas that the USDA covers. Moving on, I have an email into my coordinator as i need an updated prequal letter. She wrote the prequal based on considerably higher taxes and made me a friendly bet I couldnt find a house with taxes less than 2400/yr. I believe she has lost that bet, my offer has taxes of 1884. With no exemptions. So i need a letter that says i can go a bit higher, based on the lower tax number.5-4-2015 Woke up to a response, letter will be in my and realtors hand first thing tomorrow. Also confirmed that my coordinator is fine with me doing my homebuyers education class in the online form.5-4-2015 pt 2 seller countered my offer up 2k, I accepted. not worth wrangling over nickels. I want the house, he wants to sell, everybody seems to be happy. now on to the annoying stuff and waiting to hurry up I guess.5-5-2015 completed homebuyers ED course. Honestly they should just send people here. This place has taught me way more have a short phone meeting with the lady in charge of that and another box checked off. Call scheduled for 5-7 afternoon.Home inspection and radon test scheduled for 5-7-2015.5-6-2015 Homeowners insurance quotes. Got full replacement coverage lined up, 579 for the year. Far better than expected Also dropped my car insurance by a not insignificant number. Woo hoo. Now on to the inspection and waiting!5-8-2015 Inspection! Cue the darth vader music. Actually my inspector was a good guy, and in another 6 weeks will likely be one of my neighbors (well a few blocks anyway) He took us around the outside first, showed us where there was an addition to the foundation (a screened in porch was made part ofthe house). He was impressed with the job done. Proceed inside,he did a quick walk thru, then we started from the basement up. All of the systems of the house had been redone 20 years ago, house was built in 1900. He looked a bit, and was thouroghly impressed. He said I may have one of the most modern 100 year old houses he has ever seen. Move to main level, appliances work, but are a bit dated. Everything functional and well maintained. A very few very minor things (he said "I am actually nitpicking just to find some things.") Main level bath all good, move to upstairs (just one bath and bed). Toilet is loose in the bath, everything else looks good. We check the attics, clean, well WELL insulated. We finish up, he tells me I will have the report in my hands, and that with a few cosmetics the house could easily be worth 25-40 over what my offer is in at. I tell him to come over for some barbecue in a few weeks. (I have 2 commercial smokers and can do a few things.) He tells my agent and I "Good find guys." Thanks again. Well, that wasn't nearly as scary as I had feared. One breaker is double tapped (an electrician will tell you the reason for 2 taps is to use them ) reccomends a few extra inches of downspouts on 2 of the gutters ("the foundation's rock solid lets kep 'er that way") fix the toilet (DUH) and a bit of backfill at the back of the garage.Up next- Radon test scheduled for5-11-2015 Radon came back slightly elevated. 4.5 microwhatevers.Submitted repair request to seller on 5-13, for the toilet, tuckpointing the chimney, smoke/CO detectors, door closers (whatever the heck those things are called), double tapped breaker, and radon mitigation.5-21-15 Seller agreed to all repairs (phew it wasn't the money but the PITA it would have been to have a supervised bank account for piddly stuff.)Next up,6-4-15 the appraisal!Apparently appraisal was done early, as today 6-3-15 I recieved my Funding commitment letter, and a likely moving up of closing by a week, to 6-22-15!6-16-2015 Seller was not able to be ready early, so my closing is back to the original date of 6-29-2015. Recieved conformation of closing being scheduled today. Also notified that the last 2 items on the repair list have been completed, tuckpointing the chimney and radon mitigation. For anyone curious, mitigation cost 1075 dollars, radon levels initially at 4.5 post mitigation 0.9. Also after getting quotes I agreed to pay for the chimney @ 750 dollars which got me metal flashing rather than tar. Seller absorbed all other repair costs.6-18-15 got clear to buy 1st year HO insurance policy.6-23-15 official CLEAR to CLOSE. Final numbers confirmed. I do qualify for a payment subsidy of around 90 bucks a month, going to find out what deducts from subsidy recapture to decide whether to accept or reject which is done at closing.6-26-15 Recieved HUD1 from the title company, via the lawyers. Everything matches and looks correct. Final walk through Monday morning before closing.6-29-15 Closed. 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LeavingTheCity wrote:
Pfarro1, you're about 3 weeks ahead of us on the timeline. I was just telling our realtor today that having a government mortgage application should be marketed as being a lesson in self-control & patience. I don't feel like it's time for me to start bothering our USDA rep yet. Maybe I will in another week or 10 days.(?) Here's our timeline so far: Submitted pre-qual via email 1/14/15 -- USDA did a single hard credit pull 1/23/15Invited to apply 1/30/15 -- Submitted application via email 1/31/15 Mailed requested documents via USPS Priority & payment for credit check 2/20/15 (delivered 2/23/15) At least 2 credit inquiries by USDA 3/10/15 -- $32 check to USDA for credit report hit the bank 3/17/15I would not bug them, just a simple email asking if there's anything else they need, like most recent paystub. I'm sure they don't need it, but it puts you back on the coordinators mind. Out of sight out of mind, so this wheel has no problem making a little squeak every once in a while.

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The accounting documents are still not cleared

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Error: 'Database handles still open at environment close'

Hello,
I have read information about this error, but I cannot solve it.
I think I have closed all objects that I use, but the error appears.
When I remove next code, the error doesn't appear:
while (xmlValue != null) {
XmlDocument theDoc = xmlValue.asDocument();
String docName = theDoc.getName();
String docString = xmlValue.asString();
String message = "Document ";
message += theDoc.getName() + ":\n";
message += xmlValue.asString();
message += "===============================\n";
System.out.println(message);
xmlValue = results.next();
theDoc.delete();
The error:
Database handles still open at environment close
Open database handle: myContainer.dbxml/secondary_document_statistics_string
Open database handle: myContainer.dbxml/secondary_document_index_string
Open database handle: myContainer.dbxml/node_nodestorage
Open database handle: myContainer.dbxml/secondary_document
Open database handle: myContainer.dbxml/secondary_dictionary
Open database handle: myContainer.dbxml/primary_dictionary
Open database handle: myContainer.dbxml/secondary_sequence
Open database handle: myContainer.dbxml/secondary_configuration
Exception in thread "main" java.lang.IllegalArgumentException: Invalid argument
at com.sleepycat.db.internal.db_javaJNI.DbEnv_close0(Native Method)
at com.sleepycat.db.internal.DbEnv.close0(DbEnv.java:217)
at com.sleepycat.db.internal.DbEnv.close(DbEnv.java:77)
at com.sleepycat.db.Environment.close(Environment.java:39)
at berkeleydbxml.Test1.main(Test1.java:137)
Java Result: 1
The code:
public static void main(String[] args) {
Environment myEnv = null;
File envHome = new File("C:/extranet/tecnologias/BerkeleyDBXML/Java/BerkeleyDBXML/dbxml");
XmlManager myManager = null;
XmlContainer myContainer = null;
XmlQueryContext context = null;
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envConf.setInitializeCache(true); // Turn on the shared memory
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envConf.setInitializeLocking(true); // Turn on the locking subsystem.
envConf.setInitializeLogging(true); // Turn on the logging subsystem.
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myEnv = new Environment(envHome, envConf);
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myManager = new XmlManager(myEnv, managerConfig);
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containerConf.setTransactional(true);
containerConf.setAllowCreate(true);
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context.setNamespace("", "urn:oasis:names:specification:ubl:schema:xsd:Invoice-2");
context.setNamespace("cac", "urn:oasis:names:specification:ubl:schema:xsd:CommonAggregateComponents-2");
context.setNamespace("cbc", "urn:oasis:names:specification:ubl:schema:xsd:CommonBasicComponents-2");
context.setNamespace("ccts", "urn:un:unece:uncefact:documentation:2");
context.setNamespace("ext", "urn:oasis:names:specification:ubl:schema:xsd:CommonExtensionComponents-2");
context.setNamespace("qdt", "urn:oasis:names:specification:ubl:schema:xsd:QualifiedDatatypes-2");
context.setNamespace("udt", "urn:un:unece:uncefact:data:specification:UnqualifiedDataTypesSchemaModule:2");
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String myQuery =
"collection('myContainer.dbxml')/Invoice";
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XmlQueryExpression qe = myManager.prepare(myQuery, context);
// Run the query. Note that you can perform this query many times
// without suffering the overhead of re-creating the query expression.
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XmlResults results = qe.execute(context);
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while (xmlValue != null) {
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String docName = theDoc.getName();
String docString = xmlValue.asString();
String message = "Document ";
message += theDoc.getName() + ":\n";
message += xmlValue.asString();
message += "===============================\n";
System.out.println(message);
xmlValue = results.next();
theDoc.delete();
xmlValue.delete(); <-- the error happens here
qe.delete();
results.delete();
} catch (DatabaseException de) {
// Exception handling goes here
int i = 1;
} catch (FileNotFoundException fnfe) {
// Exception handling goes here
int i=1;
} catch (Exception e) {
// Exception handling goes here
int i = 2;
} finally {
try {
if (myContainer != null) {
myContainer.close();
if (myManager != null) {
myManager.close();
if (myEnv != null) {
myEnv.close();
} catch (DatabaseException de) {
// Exception handling goes here
If I remove the xmlValue.delete() sentence, the error appears in myEnv.close().
I use berkeley 2.3.10 version, Windows XP.
Thanks.

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Thanks,
Matt

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