Profile picture for puddinpop330

closing tomorrow and worried please help

ok so we are closing on my and my families first home tomorrow and we are very excited! but im worried I did something stupid. about two weeks ago I applied for a lowes cc, I was declined on it. my question is though I was denied will I still be able to close tomorrow  if it helps any it is a usda loan, all funds are ready, clear to close,my first years insureance is paid for, and every thing else is good. just waiting for tomorrow
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July 10 - US
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Answers (6)

You should be good, take a minute and drop us a confirmation that you are a new homeowner!  : )
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July 10
Profile picture for shapiroamg
Lenders do though perform a soft credit pull. This has probably already been done so you are in the clear. Even if asked you can say you applied but did not open a new account. That's it.
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July 10
Being this close to your closing date, your loan has already been approved.  They won't wait till you're at the closing table to tell you there is a problem.  So, if you haven't heard anything by now, you're good to go for your close.  Congrats on your new home!
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Profile picture for wetdawgs
Have you had a chance to read the answers you received to your identical post from yesterday?   

You can phone your loan officer and talk today and mention your goof.

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July 10
Profile picture for puddinpop330
Im really trying Tim, im just so worried ill walk in, in thw morning and they'll say we cant close.
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July 10
Stop worrying. It won't matter.
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