On A Monday
Posted By jayna on June 14, 2011
We were supposed to be the proud new owners of an adorable little blue house tonight. For weeks, we’ve been planning on Monday. This Monday. Every single other plan we’ve made completely revolved around Monday.
Today is Monday. Today is over. We have no keys.
Nothing.
Just an ever-growing hatred of the entire process of buying a house.
This is not our first go-round. We’ve been there, done that and banked the profit from that first little fixer-upper we had. The entire process with that one was painless, simple and easy. This time, everything is completely the opposite.
As we relaxed on vacation last week, we kept in touch with our mortgage company, making sure everything was in order. On Wednesday, they said it was done, just waiting for the paperwork to be finalized. On Thursday, we woke up to an email requesting thirteen new items from us.
THIRTEEN.
FIVE days before closing. AFTER telling us everything was fine.
An entire day of scrambling around, and we checked off every thing on that list. Every ridiculous thing. Every absurd thing that makes me shake my head and wonder why in the hell they need that.
They got it all. And everything was fine again. Dandy. Hunky dory. Minor bump in the road, but all was well and right and good.
And then nothing. All day today, nothing. Until 6pm. When a new email showed up . . . requesting ANOTHER NINE things. NINE more head-scratching, WTF-ing, completely ridiculous things. Things we have to dig back through five years worth of records for, and things we’ve already sent, and things upon things upon things.
By the time this is all over, this infuriating bank will have things on us explaining our every breath for the last five years.
Facing the complete logistical nightmare that comes with closing a week late (at least) and being completely homeless for most of that time, the husband and I nearly exploded tonight. Stuck in a tiny hotel room, with two completely disoriented and cooped up children, we fumed and stewed over the stupidity behind the situation. Watching money flow out the door, wondering what on earth to do with the many living things I have to pick up from our old house tomorrow, rescheduling deliveries over and over again . . . it seems to not be so good for the relationship.
So, here’s to calmer heads, intelligent underwriters, deep breaths, and making it to the finish line – over that threshold – all in one piece. Everything is smooth sailing after that, right?
Unfortunately, I have felt your pain! USAA did that to us last year–we ended up going with our Realtor’s in house broker because USAA, on closing day, asked for more information. The in house got us a lower rate and we closed within 3 days. Will the owners let you rent until you close so you can go ahead and move in?
We didn’t know for certain if we would be closing on our current house until about 15 minutes before closing. If we weren’t, the entire contract was going to be terminated, leaving us with having sold our old house that morning, all of our crap sitting in a UHaul and two cars, and us homeless and with absolutely no backup plan. It’s a wonder nobody died that day because OMG. SO. MUCH. YELLING.
Here’s to hoping y’all manage to survive the bumpy ride without too many scars. :-/
Oh my goodness, I would have literally imploded by now. How frustrating, especially when they kept telling you all was well. I hope this is the last of the hassles and you can get into the new place asap!
Oh a happier note, the kite photo is just amazing!! Such a great shot!
Oh wow, thats a stunning picture!!! Sorry you are having house buying troubles. We were really shocked by some of the things we needed to get final mortgage approval as well, but at least they gave us enough time to get them. :( I hope it picks up for you soon and you are in your new home ASAP. Cant wait to see pics!