When the world says, “Give up,”
Hope whispers, “Try it one more time.”
I’m such a bad blogger. My blog has been filled mostly with MilSpouse Friday Fill-Ins. And that’s not right.
You all know back in January that we put an offer on a house and it was accepted. We are still waiting to close on the house. Yes, still waiting. It seems as though a bank I did business with in the past was remiss in finishing paperwork that would close out the account. When I found this on my credit report back in November (a good example as to why you should check out your credit reports for FREE each year as mandated by the government!) I immediately started working to get it resolved. It was supposed to be finished last August, so it was a total surprise to me that it wasn’t in November.
It was finally resolved enough to continue with our mortgage on the house (but won’t be complete complete for another 30 or so days. Ugh!). We are supposed to hear back from the underwriters today. I am hoping there aren’t any “conditions” we have to meet because we really need to close Thursday. I have a feeling that if they come back with “conditions” it will be that it has to be completely closed on my credit report… and that will take 30 days to get there.
We’ve already asked for two extensions. I highly doubt they will give us a third. Especially for a month. I bet they would for a few days but not a month.
The other problem continues to be our landlords. We have the house until the 31st, but I’m not sure if they will let us stay beyond that. And even if we close on the 31st, we will need a few days to move out and then CLEAN the house so that it’s so clean they HAVE to give us our deposit back (which we really need because after Chase’s illness, we have no savings anymore). I’m still not sure of the situation here.
There was another “inspector” that came to the house and took pictures from the outside. I asked him if he could tell me what was going on and he said that he’s called out in one of three situations (he’s not from the bank, but the bank hires him). He said it could be:
- They are trying to refinance/re-structure the mortgage.
- They are more than 30 days late on payments.
- They have filed for bankruptcy.
He said that in the third option he is only told to do a drive-by, not take photos, so that is not it.
Um, let’s see here. We were told that the house was being sold and the “buyers” ran into some paperwork issues with their bank. Yet, these buyers have never stepped foot inside the house and there has never been an inspection of the house that is required by banks for mortgages. The house has also never been on the MLS, there’s never been a “for sale” sign outside and there has never been a Realtor lock on the door. If they were refinancing a loan, I don’t see why they would tell us they are selling it and have buyers.
So that leaves only the option that they are more than 30 days late on the loan. Which makes sense to me given everything else. I wouldn’t doubt that they are CLOSE to foreclosure or bankruptcy, either. So I’m hoping that they will give us a few extra days (of course we’d pay). Heck, if they are having money problems, I can’t see why not…. that’s cash in their pocket.
In other news, it’s about that time again. Tonight is our Pre-Deployment Meeting. *sigh* It feels like he just came home. But, it’s been nearly three months and in the (non fast-attack) submarine community… that’s it. I feel bad that he’s going to miss another summer. But, we should be on shore duty starting next May, so hopefully he’ll be here to enjoy it next year!