Our Current Situation Continues
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| Empty cupboards = High Anxiety |
Sorry.
I know it feels like a decade since I last wrote a blog
post. In reality, I think it’s been 2
months. I apologize. I think my stress level over buying a house
has been astronomical to say the least.
Yes, I know I kept saying that everything seemed to be going
really easy. And for the first portion
of the house buying process, it really was very easy.
But as I last mentioned, we were waiting on the lot loan to
come through in order to move forward.
Well we waited, and waited and waited some more. First Citizens finally decided to correct
their little snafu of sending someone four hours away and hired another
appraiser for the land. But after hiring
them, it took the appraiser close to a week to actually meander over to
Davidson County. The appraisal was
completed on a Monday and the paperwork wasn’t turned in until a Friday. Total B.S., I know, but when you can’t make
someone do something, they’re in no hurry.
So the appraisal went to First Citizens and then to a lawyer
to close out that loan. Here in lies the
problem. We didn’t have an easement that
connected the land to the roadway. In
technical terms: it was “landlocked.”
Well that was no surprise to us.
We could have easily told them that.
And the lawyer said “don’t worry about it,” so we didn’t. That was a Wednesday I think. Turns out the lawyer was working on getting
an easement drawn up. A week later we
got the paper work. On Monday we
received same, sent it to Andrews so that Jason’s parent’s could grant the
easement. They signed it and got in notarized
and we had it back by Wednesday. As soon
as Jason got it out of the mailbox, he took it straight to the Davidson County
Courthouse and got it recorded and then notified the lawyer and our SunTrust
banker. So we thought we were
golden. Finally.
By the way, this was after close to seven weeks of trying to
secure the lot loan. That’s right,
7!!! It’s pathetic.
After returning from the Courthouse, Jason looked through
the rest of the mail. Take a wild guess
as to what else was in the mailbox? Oh
yea, a letter from First Citizens saying we had been denied the lot loan. What the hell!!??!!! We had given them seven weeks and then all of
sudden they were giving us no time to fulfill the easement obligation. Screw you First Citizens!! We promptly called our guy at SunTrust and
asked what the dealio was. I will be drafting my F*%( you letter to First Citizens in the coming days.
SunTrust guy made it all right. Finally.
A few days later Jason went down to First Citizens in Charlotte and
closed the loan. That was on Wednesday,
May 30. We were set to close on
Thursday, May 31. SunTrust had sent
everything to the lawyer’s office and told us that we were finally approved for
the home loan on Tuesday, June 5. Sheesh…what
a process. The lawyer requested that we
set the closing date for today, June 8.
So we did. By the way, this was
the third time we had changed the closing date.
Each time we had to get an extension signed off by us and the sellers
agreeing the contract addendum.
Well, while getting everything together for our closing
date, the lawyer ran a title search on the property on that same day. For those of you who don’t know, a title
search double checks that there is nothing pending on the property. We had to have one for the lot loan too. It insures that no one is owed money or has a
say in the property that we’re not aware of.
It’s not a bad thing, but they wait to do it at the end of the loan
process. It seems backwards to us
because if there are any problems, everything that is set for completion gets
put on hold.
And guess what?.... when the title search was run for the
house, the lawyer discovered that the sellers had taken out a line of credit
against the house and that it wasn’t closed out yet. So yea, while Jason and I had been busting
our bums to get everything ready for the closing date, the sellers still hadn’t
completed everything on their end. We
were told this could push back our closing again, from Friday to the end of the
month. THE END OF THE MONTH?!! Crap.
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| Via Lillan G on Pinterest |
We called everyone we could to try and get some
answers. We called Monica, who was reassuring
that we might still be ok.
It turns out that Wells Fargo was as helpful to the sellers
about closing their line of credit as First Citizens was with getting us our
lot loan in a timely manner. This is in
part to the sellers not paying off the credit line until May 31. A full 2 weeks after the original closing date.
And from what we’re told, WF requires 22 days between the balance being
paid off and signing the satisfactory closing document. Hence, the end of the month.
But SunTrust guy is working very hard for us to get the
process expedited. And even though we
did not close on the house today, we are hopeful that the middle of next week
will be the big day. So that’s where we are, again. Waiting in limbo for people to get their shit
together.
Our shit has been together since the end of April, when I
thought we would be moving in less than 2 weeks. So our house has been a maze of boxes and
empty cupboards for quite some time. My
crafting has taken a nose dive, my patience is at an all time low and Jason is
growing antsy.
Here's a look at our current state of affairs
The Kitchen:
The Dining Room:
The Guest Room:
Even the hunting boots are packed:
Ugh…we are so ready to move…. I hope that’s when you’ll
catch me next. D-Day!
Love
Meredith
