Monday, June 22, 2009


Can you sense my level of frustration? I would really like for this whole house buying thing to be OVER. It has been such a pain. I feel like I've been in the dark and I have no idea what is going on. I didn't hear from my mortgage consultant from the bank until last Friday. He indicated that everything was fine and that I should be able to close on Monday or Tuesday this week. I then heard from the title company who indicated the same thing. They needed my dad's s.s. number and way to fax him paperwork for the closing. So I put him in touch with them and it seemed to be all worked out. I didn't hear anything again until about 20 minutes ago. I was called by a different person from the bank (since the guy I've been talking to went off and got married) and he said they had me brining $3400 to closing. I was told early on that I wouldn't have to bring any money to closing. He said that I just needed to amend the contract price to add that amount into it. Of course I have no idea what the contract price is now because it is a very confusing situation. It is "technically" be sold for more than I'm borrowing because the equity is covering a bunch of stuff. But because it appraised a little less than anticipated, it changed things and I have no clue about any of this. So I emailed the bank guy back and tried to call him to verify what I needed to do but of course he isn't available and hasn't responded. So my response is aaarrrrgggghhhhh! I just want this to be over with. What a pain!!!

So Birmingham was very lovely. I wished I had time to write about it while I was there but we seemed to be doing something almost every waking moment. The times I had a chance to get online was used to check email and to work on grad school assignments. We visited the civil rights museum which was very interesting but a huge guilt trip for being white. We went to the Alabama Theatre and watched a great comedienne who was the NFL humorous champion two years in a row. We then went to the McWane science museum which probably would have been great but it was so crowded with kids you really didn't get a chance to enjoy much of it.

My student didn't make it very far this year which was disappointing. Josh, however, did very well in his consolation event. He made it to round 7 in expository speaking which put him in the top 25 in the nation. The event started with over 300 students.

I ate probably my weight in food while there and I gained 5 or 6 pounds which sucks. But the food was good. But now I have to eat more healthy for a while and do some "gasp!" exercise or something.

I thought Birmingham was very pretty. It was very green and full of trees. It was hard to see where you were going because of all the trees. It was fairly easy to travel though the roads were constantly winding.

Update: I got the contract resent to me with the blanks filled it. I signed it, initialed it, rescanned it, and emailed it back to find out that I was supposed to date it as well. (Though I was not told that nor was there a space for "date") He also said that I needed to have my dad sign and date it but I had just emailed that the form would need to be faxed to my dad since he is in Mississippi. I don't know if this guy just doesn't actually read emails or if he's just not paying attention. If he can't fax it, I guess I will have to go find someplace to do it and pay for it. What a nightmare! Closing is now definitely tomorrow but I still don't have a time.

Well, I guess I'll go stew some more until all of this is taken care of!


Leann said...

Oh man!! I'm really sorry you're having to endure the frustration. It becomes even more so when the left hand does not seem to know what the right hand is doing.

I'm glad you enjoyed the trip to Birmingham. It is a lovely area. For the most part the people are very hospitable there. They don't want you to live there, but visiting, ya that's nice :-)

Anonymous said...

Is that bank-thing correct now? This man seems to be a little, unconcentrated? You are sure that what you signed is really what was to be signed? I do not want to make you nervous or something, but there is no trapdoor?
Birmingham sounds good!