I think I found my new home!

[AVGWarhawk]

Good deal Frau! Glad it has worked out for you.

[frau kaleun]

I think my realtor is trying to set something up for Tuesday morning, of course this will depend on the availability of the other parties involved and whether or not the bank can get their end of it together by then. And of course I have zero paperwork at this point regarding what I'm actually expected to show up with in the way of money, lol. Presumably they'll send me that on Monday, if not, I don't know what happens, probably we'll have to postpone again. If they expect me to show up with a cashier's check they're going to have to get me the paperwork and give me time to go over it plus get to the bank to get their money.

The termite inspection was thrown in as part of the home inspection since the company that did it offers that service as part of the rest of the inspection process. The condo association is responsible for prevention, extermination services, etc. on a regular basis. Not that this would make it any more pleasant if there was a problem but it's not something the owner could be held accountable for if termites were found to be an issue. Probably the bank just wants to know that the place got a clean bill of health at the time of purchase - which it did.

If we can do it Tuesday or Wednesday (which are the days the bank suggested) that would be fantastic as I can take a vacation day either day and have the whole day free to do whatever needs to be done immediately after closing and possibly have time to get some things moved over and do a bit of cleaning. I want to clean the carpets before I move any stuff into the rooms that have carpet down but there's plenty of space that isn't carpeted where I can stack boxes until I'm ready to get some things unpacked... mostly I just want to get carpets done and get a clean, stocked bathroom and start wiping down kitchen cupboards and counters because I have a lot of kitchen stuff that can be unpacked and put away immediately. The nice thing is that you can go in and out either the front or back and have access to the lower level bathroom and the kitchen without ever going over a carpeted area, so I can clean the carpets and then keep working on other things while they still have time to dry.

Went out with a friend to look at bedroom furniture today and unfortunately the set I liked online was not available to see in the showroom but I asked them to check on construction details and it is comparable in quality to a similar set on display that I really liked, which I'm also considering. They also have a five-day "no questions asked" return policy and said if I buy something sight unseen just based on pictures and description and don't like what I see when it shows up at my door I can tell them to take it back right then and it's not a problem. This is at a place called Furniture Row, I don't know if anyone else in the states is familiar with them... but I have to say the quality of the stuff we looked at there was far better in general than the stuff selling for a LOT more money in some of the name brand stores we looked at.

But I will have to get in there and look at the rooms and wall space and where the windows and doors are before I can wrap my head around what I want to get and where it's all going to go. I'm one of those quirky people who actually draws a floor plan of a room to scale on graph paper or something similar, then measures and marks exactly where doors and windows and fixtures are, then cuts out little pieces of paper that are scaled to represent furniture I'm considering, and then moves them around on the floor plan of the room to see what will fit where and get an idea of how it will look and what the "flow" of the space will be in terms of moving around in it. Sounds crazy but in a small apartment it's saved me a lot of grief when trying to decide if I could actually fit something into the space I had without buying it first and I see no reason to stop doing it now, lol.

I'm so excited! I know it will be a lot of work and my head is just about to burst right now with all the stuff I know I'm going to have to do over the next month to get sorted and properly moved in just with what I have... but it will be fun. Just the idea of having a bedroom closet just for my everyday clothes and shoes is almost more than I can stand... most of my walk-in closet here has to be used for storage for other stuff that I don't have room for any place else. Heck, half the furniture I have is stuff I bought to put things in because I have no storage space here. Shouldn't be a problem in the new place.

[frau kaleun]

No closing tomorrow after all. Now it's been put off til Wednesday at least or maybe later in the week depending on the availability of the other agent and seller.

Seriously, this is the THIRD time since the loan officer told me everything was done that they have suddenly realized we couldn't close because of something they didn't get done or ask me for. They went ahead and scheduled the closing for tomorrow morning and then late this afternoon suddenly they're calling and emailing me telling me they need something RIGHT AWAY or the closing is off and acting like it's MY fault they don't have it yet, when nobody has ever asked for it up til now and when I asked THEM about it a while back they told me I wouldn't need it until closing. Which to me means, "bring this when you come to the closing," not "do this before closing or the closing doesn't happen." Hey - if it's required for the closing, maybe the time to ask for it was before you greenlit the closing and scheduled it. Duh.

Anyway it's taken care of now and all I can do is hope they send me the final checklist/paperwork tomorrow so we can get this thing over with. Good grief. I better really really REALLY like having my own place.

[Jimbuna]

It'll all come out fine in the end and I'm sure everything will have been worthwhile

[vienna]

If it's any consolation, yours is not an uncommon situation. Many other people I know have been through similar, if not worse, delays in closing a home sale. I think the worst was the case of a former co-worker, who bought a rather pricey home, and, on the advice of well-meaning relatives, decided to involve a lawyer in the purchase process. This move prompted the seller to invoke his own legal counsel. The whole matter escalated and dragged on over several months. It became a bit of a "Bleak House" situation that seemed to be unending. The co-worker finally did close his purchase, but I think the whole experience ended up costing him more than it should. Here's hoping your closing will be much less tiresome...

<O>

[frau kaleun]

Well as of a few hours ago we had confirmed a closing with the title company for tomorrow afternoon. This of course was pending their receipt of final documents from the bank, after which they said they would get closing documents to me by the end of business today. The loan officer was getting copies of all the relevant emails but so far I've not seen any response from him at all. This doesn't mean that the bank hasn't taken care of it but it would be nice if they could confirm that they've been contacted and are providing what's needed.

It was about this time yesterday that they suddenly put the kibosh on today's closing so I'm kinda sitting here holding my breath and my boss is waiting for me to tell her whether I'm going to be here tomorrow or not. At least I work for a place that is very flexible about this kind of thing.

What really ticked me off yesterday was that if they had just called me and said "oh hey go ahead and do this now and fax us over the docs because we need those to finish up here and get the closing set" I could've taken care of it in five minutes, but instead it was presented to me at the very last minute as "you should have done this, why haven't you done this, YOU'RE HOLDING UP THE PROCESS, get it done now!"

And as my agent pointed out, this stuff that's been holding things up - it's not unusual stuff, not specific to this purchase. It's the standard stuff that MUST be done prior to closing and in most cases should've been done either by them or by me at their request days or weeks ago. Not two days after the loan officer tells us to go ahead and schedule the closing because he's been given the green light on it.

[frau kaleun]

Originally Posted by frau kaleun

The loan officer was getting copies of all the relevant emails but so far I've not seen any response from him at all. This doesn't mean that the bank hasn't taken care of it but it would be nice if they could confirm that they've been contacted and are providing what's needed.

It was about this time yesterday that they suddenly put the kibosh on today's closing so I'm kinda sitting here holding my breath

Oh wow what a surprise, my agent just emailed to let me know that the title company had to call the processor at the bank because I guess they weren't getting any response after having notified the loan officer that we had a closing scheduled for 2 PM tomorrow. The processor told them there was no way we could do a closing then as the closing documents will not be ready until noon tomorrow. So either the loan officer didn't bother to let them know we had a closing scheduled, or they didn't bother to let him know it couldn't be done then, or else they all just couldn't be bothered to let us know that they woudn't be ready in time for it.

So now we're looking at a late closing around 4-5 PM, with me presumably getting the closing documents around lunchtime to review beforehand. If they can't manage that we're going to have another problem as I will have to leave work at least a couple hours early to get to the bank and then to the closing on time. So there will only be a 2-3 hour window between when they've promised me the documents and when I will have to leave to get there and, for some reason, I'm not real confident about that.

[geetrue]

This could go down as the thread of the year award

if it wasn't for August railroad train hobby thread or Kiwi's nasty brain tumor thread that is.

"I think I found my new home" could be voted number one

but the gun thread merged would probably beat you out, unless of
course you moved next door to the next mad bomber that uses WMD
sprayed on his yard to stop the postman from delivering junk mail

Seriously frau kaleun (I had to look up how to spell that one)
I was just having fun of course, but seriously this is the best advice I can offer ...

get a new toilet seat cover, one of those cushy ones, or better yet a whole new commode would be even better.





it will make you feel better and when you add up how many minutes a week it comes to ...

you would be surprised at the cost per setting or is it seating

Originally Posted by frau kaleun

So now we're looking at a late closing around 4-5 PM, with me presumably getting the closing documents around lunchtime to review beforehand. If they can't manage that we're going to have another problem as I will have to leave work at least a couple hours early to get to the bank and then to the closing on time. So there will only be a 2-3 hour window between when they've promised me the documents and when I will have to leave to get there and, for some reason, I'm not real confident about that.

its for the best really, its bad timing to start drinking early in the afternoon and now you can do a late close and pop the cork In the evening

congrats

[frau kaleun]

If we're going to have closing today at 5 PM, I have to leave the office in 45 minutes. Guess what I don't have yet?

That's right. STILL no closing documents. The loan officer claims they sent everything to the title office shortly before 10 this morning and haven't gotten anything back and have been trying to contact them with no luck (of course they waited until about 12:30 to do that, when the place was closed for lunch).

Now my agent is asking the LO or his processor to call her right away. I've already told them that I had to leave the office in less than an hour to make this happen, so is it going to happen today or not? And I have no idea what's going on.

I bought FIVE houses in Skyrim and it wasn't this stressful. All I had to do was kill a dragon, destroy an evil resurrected sorceror queen and her countless undead minions, clear out a couple encampments of bloodthirsty savages, take down a vicious drug cartel, and win a civl war.

Edit: just got off the phone with my agent. Turns out the problem was that someone at the bank sent the documents to the wrong email address at the title company. That person forwarded them on to the correct person, but because the attachments were "secure" documents that person couldn't open them because she wasn't the recipient of the original email. So they've been trying to call the bank to get the documents sent directly to the right person, leaving messages with no response. Meanwhile the bank claims they've been trying to contact the title company with no results. Um... yeah. Whatever.

But according to my loan officer they have just resent the docs directly to the correct party so she can open them and do what she needs to do and get the results back to them and to me. According to my agent that should only take about 15 minutes IF the correct person at the title company actually has received the documents, and she is calling them immediately to verify that she does have them.

What kills me is that the LO said in one of his emails that he thought the closing was at 2 PM... so he waited until almost 1 PM to start questioning why the final paperwork hadn't been done yet? Did he think I was just gonna show up at the closing and pull a cashier's check for the right amount out of my backside? Sheesh.

[The Enigma]

Frau buying a house....

[frau kaleun]

So my agent sent me her copy of the settlement statement about 45 minutes ago. If she got it then, so did the bank. Now I am waiting for the bank to approve and send me the "official" copy... almost an hour after I was supposed to leave and go get their damn money. I guess we are still going ahead with this thing but there is no way it's going to happen on time now, unless we skip the final walkthrough and go straight to the title office. Even then, I'll be late. Thank goodness my bank is open til 6 PM but even that may be cutting it close at this rate.


Edit: aaaaand my agent just called to say she is on her way to the condo for the final walkthrough, but is running a little bit late. And I'm like... "I still haven't gotten the final approval from the bank." And she's like "WTF?" so she is calling them AGAIN to find out what is holding that up.

[Wolferz]

Call them back from the shady acres sanitarium and say...
Forget it!
Just kidding. You're in the home stretch. Now if the spectators would just stop tripping you.

[Penguin]

Hey even if it won't work out (which I don't hope), at least I learned a huge amount of American real estate vocabulary from this thread. So now I can pretend to talk like a grown-up...

[Sailor Steve]

Originally Posted by Penguin

So now I can pretend to talk like a grown-up...

Well, now you can pretend to talk like a 'Merkin. Bit of a difference.