Hello, Marina.
From what you tell us, we understand that you have already delivered your documentation to several banks and that the only step left is to appraise the home so that the study can be done. If not, please correct us.
Since they cannot guarantee that they will maintain your conditions until December, waiting seems like a convenient option. If you appraise the home when there is a month and a half left, the report will be issued the following week and the bank will take a couple more weeks to study the operation. If everything goes well, therefore, they will make you the final offer when there is one month left for the signing. In principle, banks will not object to you maintaining their offer for a month.
Of course, we cannot assure you that there will not be problems during the process, because not all banks are equally agile when processing applications. If you have not received any offer when there is one month left for the signing, we advise you to request the appraisal report (you have the right to receive it) and go to other banks. You could also consider the option of hire a mortgage brokerwhich will be able to get you mortgages from various banks more quickly.
We hope we have helped you.
All the best.
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2023-10-06 08:01:07
#appraise #Forum
