So, today WAS the big exciting day to close on our house. I was so nervous (I know that seems like a weird emotion per se..) that I could barely eat. I was a ball of energy.
So we get there at 3 PM, and get the word that our Lender - I might add a MAJOR BANK - did not wire the money on time and it was past the magical time of 3:30 and nothing more could be wired.
Well, a hassle, but no big deal. We just wouldn't be able to get in tonite. We would have to fax some stuff, meet someone tomorrow, and get the keys after the wired money was taken care of. So we did what we could - sign ALL the papers.
It took 2 hours.
I called our lender girl as I drove away if she knew what happened. She had told me everything was ALL GOOD TO GO, and yet here we were, our downpayment in hand, and the bank did not WIRE THE MONEY. I asked in my message if she could help speed things along for the next day.
So I get a voice message as I was picking up my kids from the babysitters - THERE IS A BIG PROBLEM.
Because we did NET anything on the house we sold in November, THERE IS A BIG PROBLEM. The COMPUTER shows that we are 13 K short because we didn't net that on the house, EVEN THOUGH we had the entire down payment in hand.
We are no longer a "straight to close" loan - we are now a "need tons of documentation" close. So we find this out, a 7 PM TONITE, instead of BEFORE or AT THE TABLE at closing. Or better yet - DURING THE 7 MONTHS WE HAVE BEEN WORKING WITH OUR LENDER, or THE 5 1/2 months ago that we actually SOLD our house!
That this was even a TERM in the contract was never conveyed to us. No one VERIFIED that we actually did or did NOT net that. And to ambiguously think that we DID net that amount is a little preposterous. We were told that EVERYTHING WAS GOOD TO GO - BUT NO.
I asked her what the bottom line was - she said she didn't guarentee we would close tomorrow.
*This may not SEEM like a big deal, but when we have
*HELPERS IN TWO CITIES TO MOVE ON SAT.,
* APPLIANCES BEING DELIVERED on Thursday,
*A GARAGE DOOR PERSON COMING in 2 days,
*People coming to help PAINT tomorrow,
*People coming to INSTALL appliances on Thursday,
*Brian getting SUB PLANS for the next THREE days all ready,
*SITTERS for the next FIVE days (not easy to get all those ducks in a row - let me tell you!), *UTILITIES being turned on tomorrow
... I mean we really planned ahead to make everything work.
So I am TOTALLY emotionally exhausted and drained of ALL energy.
I just keep telling myself - it will work out!!!