Well, today was supposed to have been the day. The day we’ve been waiting for since November 2010 when we signed the paperwork for the house we wanted. But it’s not going to be closing day after all. My father has this joke he tells, “All those who think they’re going to (insert action here), stand up! Ooops, not so fast, (insert name of person who’s not going to get to do inserted action here)!” So all those who think they’re going to get the keys to their house today, stand up! Oooops, not so fast, ME! Eh, it’s much funnier when my father does it … and when it’s not about me.
Let’s see, what HAS happened since I last wrote? Well, as I mentioned, Bank of America did not get back to us by our noon deadline to allow us to sell some stock to get cash for the additional funds they needed after lowering our qualifying loan amount. If you recall, they lowered the amount because while they refused to consider either of my two sources of income, they still were very much interested in my credit card charges. They (Bryon Dillon and @BofA_help on Twitter) both stated that the reason it took so long is because with the attention I’ve generated they now need to answer to a number of individuals on decisions they make about our loan before they get back to us.
So let me get this straight. You’re now being held accountable for your actions and this is causing you more work? Poor. Baby. Honey.
I still find it …. coincidental … they they waited until 20 minutes after the markets closed, but oh well. We had to tell them that we now wouldn’t be able to have the funds available until Monday the 24th.
Additionally, we found out that the seller wants $425 per day past closing. Frankly, I don’t really blame them. They weren’t happy with the extended close to begin with and then we ask for MORE time? So we went back to Bank of America and asked for two things:
1) Take my name off the loan – just have the loan be in my husband’s name – and approve the original loan amount they pre-qualified us for before they found one month’s inflated credit card charge on my account.
2) Help us with the seller’s daily fees since it’s their fault they didn’t let us know in time that we would definitely be approved if we came up with the additional funds.
To #1 they responded that it would delay the close at least an additional two weeks. To #2 they said, “Maybe.”
So not a whole bunch has changed from the Bank of America side of things and we’re looking at a Monday or Tuesday close. In the meantime I’ve rearranged the first mover, cancelled the pest control guy (it’s winter, I’ll wait until we’ve unpacked a bit), rescheduled the handy man, and am trying not to think about how even after this battle is all over, I’m still going to have to deal with unpacking (I’m worn out already).
You won’t hear from me again until Monday or Tuesday and I can guarantee it will be worth the wait. I now need to figure out how to stay busy this weekend so I’m not tempted to drive by our almost house every few minutes and cry.
Until next week…
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