The best of times and the worst of times

So I closed on my house and made frantic time to get everything painted and my stuff moved in. Then the Tuesday after that my mom called and said dad had fallen in the night and he wasn't well. He passed away that Thursday afternoon. I don't really have much to say about it now other than it's hard as a lifelong daddy's girl to lose your dad. He was the one person I always knew was on my side....always.

We buried him in the National cemetery this past Tuesday and I'm helping mom the best I can to process stuff and go through paperwork without making her feel like a frail old lady; because she's not. I wrote most of his obituary and I know I'm not processing this yet; but I just can't fathom life without that 89 year old man in my life. Geez, what suckitude.

Post Closing Letdown

I closed on my house last Tuesday. A friend of mine came over that evening and took a bunch of before photos for me.  Like this one:

Since then, I've been running nonstop. Shopping for paint, painting, packing, babysitting the movers, placing furniture... then, well there was supposed to be unpacking.

Not a lot of unpacking has happened yet. I still have the dining room to paint before I can place the china cabinet. There are a lot of boxes that go in my china cabinet so that's kind of overwhelming. Also, I kind of left the bedroom stuff until last. So that stuff was dumped into boxes and the thought of unpacking those boxes is horrifying.

I have a friend coming over tonight to help paint. Hopefully we can get the dining room done so I can start unpacking in that room. I still need to pack and bring over all my kitchen and bathroom stuff. All the stuff in my closets too. So I'm kind of living between both places. I'm sleeping at my condo on an Aerobed, and spending evenings at the house getting things painted and organized. Hopefully by this weekend, I'll be ready to move fully into my house.

Right now I'm just kind of tired and still anxious to get things done - although I feel like I could just go home and sleep until morning.

Second verse (hopefully not) same as the first

So....


Wednesday morning I frantically called several banks. I also had to tell my broker and the seller. Well, the seller wasn't happy but I understand that - I was pretty upset too!  It had been almost 7 weeks since BoA started the loan process and they're just now telling me they can't loan me money?

My broker got me a deal with a local bank. They could do a three year balloon type of loan and close in 10 days. This would make the seller happy and was kind of scary for me. But I'd have the house and I'd have time to get a conventional loan.

The seller gave me the name of a guy who did a friend's loan or their loan.... I wasn't really paying 100% attention since I was feeling kind of numb and not in my body and cried at the drop of a hat. I called that dude and he called me on the way home. I told him the whole sordid tale and said I wanted to know if they could loan me the money or not before I went through another seven week process. He said he'd get some basic information from me and it wouldn't take seven weeks. He could close in three weeks - tops.

So, it looks like I have another loan. Heartland Premier sent me all the paperwork today. The interest rate is .125% higher but they can close in 10 days. I'm not counting my chickens before they become loan commitments though. I'll check back with them on Tuesday morning and see if they have the appraisal scheduled and if I can get a loan committment letter from them. Because a verbal yes clearly doesn't mean dick in the banking world.

Yeah, it sucks that I have to pay for another appraisal. But I'll have the house early enough to do some painting before the movers come on the 8th. And...AND... I'll have a house.

Oh, the worst part? The loan processing POS at BoA couldn't even call me to tell me that they denied my loan. His boss called to tell me and even she kind of beat around the bush. Seriously, grow a fucking pair! Seven weeks of bullshit and you can't even tell me it's a no? How did they get to be "too big to fail" if they are such fuck-ups? He asked for the same information multiple times and apparently it takes 5 weeks for them to even open up the file. 

Bank of America, you denied my loan and I'm pissed; but I'm more pissed that your employees don't have enough professionalism to tell me or enough timely work practices to not leave me hanging on so long. I used to defend you to people, now I'm on the other side. I have no idea how you got so big, but if success in the banking industry is that easy, sign me up!

Returning calls *Updated)

Hey, the loan officer's boss just called me back to tell me they're declining my loan. After a good ugly cry, I called my boyfriend who gave me the name of his loan officer. Officially worst day ever.

I'm still trying to close on my house.

Hell, I'm trying to get a final loan committment from the bank.


Apparently, when they preapprove you it doesn't mean squat.


I talked to the Home Services Specialist last week and I called him yesterday, this morning, and this afternoon. My original closing date was tomorrow, but he said we may have to move it back to Friday or Monday. But the dude has quit returning my calls. If I don't hear in the next hour, I'm calling the main office number. Surely someone can give me an answer or go smack him upside the head for not returning my calls. Look, I get it. If you don't have an answer, it's painful to call someone back.

I've avoided calls before from applicants because I didn't have an answer yet. Maybe this is karma. However, and here's what has me worried, if you have bad news you also avoid calls. If I have to tell an applicant that the agencies aren't agreeing with their plan and we've got to review for the umpteenth time; I avoid calling them.

What if he hasn't called because they can't loan me money? I can almost pay for the whole house with a check - but not quite. But shouldn't that, and the fact that I have a job, count for something? I haven't defaulted on loans, I have a couple 30 days late payments but not a lot but come the FUCK on!

It's probably a good thing that their office isn't here; I'd be sitting in his office chair working by laptop so that I would annoy the crap out of him and he'd annoy underwriting.

I think I need a drink.

Delay of game

I've been so excited about the house, it never bothered me that I hadn't really heard from the bank asking for additional information. They asked for a couple things right up front and I kind of thought that was it.

It wasn't.

They didn't review my file until this weekend. Dudes, they've had it four weeks! So I emailed them this morning asking what time my closing was and where was it... Since it's only a week away.

My loan officer called me and said he'd meant to call me yesterday but they needed some additional documentation and that would put my closing behind by a couple days up to a week. I kind of had a tight schedule for this all so a whole week would suck. I'm supposed to close next week and then in two weeks I've got movers coming to get all the stuff I haven't brought over. Then I've got two more weeks to clean my condo and move any incidentals. Somewhere in there I need to get someone to refinish the floors in the bedrooms and get roof vents put in and get somewhere on getting tile done in the bathroom. Oh, and I also have to paint the cabinets.

Now, obviously the only thing that has to be done before I move is the floors but I don't even know when I could do that since I don't know when my closing is. Especially since folks tell me that I should expect them to change the date at least once more. Apparently anything that they need means that the file gets pulled from underwriting and then has to go back through the process and get reviewed again. Now, I got them the things they needed about two hours after they asked. But I'm guessing that won't matter.

Geez! I've got a schedule here. Oh, I've also got stuff posted in Pinterest about the house.

Stuff like this couch. I don't like the color but I love the style.