The KHH (builder) rep was MAD, My attorney was CALM but MAD, my realtor was CALM AND COLLECTED, my lender was AT HER WITS END.
So, the only way to get around WELLS FARGO's mistake on DROPPING the BALL for our house closing, was to suggest a CRAZY SOLUTION....or our closing would be in TWO WEEKS!!
So, what WAS the solution? Find someone that had 33K lying around for the past 30 days in an account and have them "give us" that amount, to which we would return to them immediately with our "rejected" down payment. IS THAT NOT INSANE?
OTHERWISE we go to a "FULL DOCUMENTATION" loan which takes TWO WEEKS.
So I made 97 calls today. I thought at first we would be closing FRIDAY. Then I thought we would be moving in 1 WEEK at one point today, then I thought we were closing TOMORROW. So to change dates with all involved....
I called each of the utility companies THREE TIMES today (15 calls) to change start dates every time I called (I think they know me by voice now),
I talked with my lender girl 24 times today,
the ATTORNEY 3 times,
I talked to Uhaul THREE TIMES to change dates,
I called BROOKE'S SCHOOL to change last day,
I called my PARENTS 3 times,
my REALTOR 5 times,
the GARAGE DOOR guy 2 times,
the APPLIANCE people,
My sister 3 times, the new WARD people....
My mother in law is BRILLIANT. She suggested that they take out a "home equity loan" of 33K for 3 days essentially, that we would repay with the TRUE downpayment money. The bank accepted. So THEY were at the bank for 1 hour - BLESS THEIR SOULS!!!!
Kimball Hill our builder, was LIVID with Wells Fargo. The manager for KH was called WELLS FARGO VICE PRES and many HIGH UP people and I can just IMAGINE what words were exchanged. Wells Fargo has screwed them over TOO many times. We are the LAST CLOSING for them EVER (they went bankrupt 6 months ago) - and for OUR closing to be delayed is VERY COSTLY to Kimball Hill.
Also - I must have faxed about 60 documents today to our lender - in about 5 trips as they kept asking for MORE STUFF.
So - CROSS YOUR FINGERS - lets hope they don't want me to fax over DENTAL RECORDS, GENEOLOGY BACK TO ADAM, REPORT CARDS from Kindergarten, Immunization records, or Passport information?!?!??!?!??!