Monday, June 2, 2008

a hitch in the road

a minor setback
a delay
an error
a problem
an issue

call it what you will, i'm sick of this shit, pardon my language.

we have endured all kinds of setbacks in this house buying process, from bad real estate agents, to loan issues, racing the clock, to the waiting game, crazy homeowners and their non-wife homeowner counterparts, people late on signatures, etc etc etc.

but when they told us rainy dew signed and we owned the house, i thought it was all behind us. we worked all weekend. i killed myself ripping up flooring and covering up pink paint. i lost about 20 lbs in sweat trying not to asphyxiate in the house, and battled the "stairmaster 2000" -aka- going up and down the stairs to try to prime the endless walls. we spent money at lowes - over and over and over again, and we joyously did all of this because we finally owned the house.

or so we thought.

today, as andrew worked on the house, and i worked at school, everything came unraveled because of one piece of paper. somehow the "pest report" (or paper from the termite inspection, stating we have no pests, and that we paid for the inspection in full, of our own accord, separate from the contract negotiations) was supposed to be signed and included in the loan paperwork. it wasn't.

we rushed home to sign and scan and fax it, but once we did, we were told it probably wouldn't matter, and we'll probably have to re-close. which apparently means the house is turned back over to the sellers and then all the paperwork must be done again.

i tell the closing attorney, who is taking no responsibility for this, despite the bold, capital letters that say: IT IS THE RESPONSIBILITY OF THE CLOSING AGENT TO OBTAIN PROPER SIGNATURES, that i am "not thrilled about what's happening, and she hangs up on me.

maturity at its finest.

she proceeds to call andrew back and try tell him how i had "gone off on her" (or something, she worded it another way that i can't remember), so she had "gotten off the phone very quickly because that wasn't the time to be dealing with that," until andrew told her that he was sitting right beside me when we'd spoken on the phone, and he didn't appreciate her hanging up on me. suddenly, her tune changed and she "definitely didn't hang up on me." whatever. she also admitted that the paperwork the lender had sent her required the paper to be signed, but since she'd never seen the inspection paper, she didn't do it... and still took no responsibility for it, blaming the lender for "trying to screw us all" or something. now i know why in LAWyer and LIAR are so similar. how do these people sleep at night?

oh and our real estate agent, of course, is still not going to be upset with the big-boobed, divorced attorney, because he's still trying to take her out for margaritas. he still didn't come through on his word to take us out for drinks.

i don't have anything to celebrate anyway.

so we're in limbo again, only now we've already worked on the house a ton. i was writing a blog about it all before this crap happened... i guess there's no need to post that and rub it all in. andrew is, as ever, optimistic that everything with just work out.

i just keep crying.

i don't know what will happen or how long it will take. we won't know if sending in the signed paper late will be ok until tomorrow. if it's not and we have to re-close, i think either way, we're already losing earnest money we were supposed to get back because of the pushed-back closing date. if we have to re-close, we have to try to do it before friday because that's the day our loan rate is locked in until, and rates have gone up/reprocessing takes a while/etc. if we have to extend that loan rate, even if they let us, it'll cost money. if we have to re-close, it means more paperwork, another meeting with the clueless closing attorney, and hopefully that the sellers would come back in and sign again. and that took several days last time.

i tried to sleep, but the phone kept ringing.

i cried and my eyes are puffy.

i can't occupy myself with the stuff i've been working on for months, because it all has to do with renovations and the house.

i don't want to work on the house, cause knowing my luck, we might end up losing it still.

i give up. i don't know what to do anymore.

3 comments:

Sandy said...

I'm so sorry this happened and I'm saying a prayer that everything will work out and you'll soon be feeling better. Call me if you think it will help to talk. love you.

Rick said...

Okay. This is the forth attempt(over 1/2 hour) I've made to write something empathetic and supportive (and fatherly?) to no avail. I am too flabbergasted that all those lawyers didn't review their checklists at closing, allowed everyone to legally sign everything, only to come back later to say .. oops... something was missing.

I can only suggest that you give the lawyers a day or so to try to rectify the situation they created. Then go from there [This is where I wrote several, now deleted, epistles earlier ].

Feel free to call and/or come over to commiserate, vent, or just talk over options.

--Love you both.. Dad.

Charity and Will Sutphin said...

Hey girl, stuff like this is not fun at all. I know, we just bought our house last year. It'll all be okay!!