Paper Work
We have been in the market to buy a house since May 2009. We have seen houses from fair to sad condition. I can even remember seeing a house that was well beyond our abilities to repair. So much time passed that we had to reapply for our loan. Not only that, but we also got a different Realtor. More houses. Short sales. And we just weren't getting anywhere. It was so frustrating. We always joked about buying the house we are renting. After all, we have been here two years, no change in school, church, and most important...NO MOVING!! Sorry, KK.
In September, our Landlord approached us about short selling the house to us. Oh we bit. For two months the process dragged on. Our offer was not accepted(by the bank) so we submitted again. They accepted it. On Dec. 22, 2009, things took off and began to fly. We were overwhelmed with what was only the beginning of the paperwork. I was warned by many about the mounds of paperwork. I declared I can handle it. After 16 years with the Military, I was used to it.
I now have three file folders that are easily 1 inch thick and growing. We had to be inspected for termites. The house had to be appraised by the V.A. people--big gripe here: he came out TWO days after Christmas, Rich and I worked our kids all day on the 26th alongside with us to make the house presentable. They wanted this turned in ASAP so that we could close on Jan.15th. Well, he didn't turn his paperwork in until he got back...TEN days later. So glad I busted my butt the day after Christmas. I digress. We are now ten days behind and being hit with more and more paperwork. Literally, we are under the microscope with the lending agent. It's amazing the things they are asking for. So I have to ask, how come is buying a house harder than attaining a Top Secret SCI Clearance??? Seriously? I am buying house, not selling secrets, which I do not have anyway. The most I know is...oh yeah...NOTHING!
It is totally insane. We are doing our best to take deep breaths, sign, scan, and email. The sooner we get it done, the sooner we can BE done!! We are waiting for the lending agent to send the documents--from FLORIDA! But first we have to send them 7 more signed and scanned documents. I bet tomorrow they slap us with ten more. Do they want blood? DNA? Just sayin!
In September, our Landlord approached us about short selling the house to us. Oh we bit. For two months the process dragged on. Our offer was not accepted(by the bank) so we submitted again. They accepted it. On Dec. 22, 2009, things took off and began to fly. We were overwhelmed with what was only the beginning of the paperwork. I was warned by many about the mounds of paperwork. I declared I can handle it. After 16 years with the Military, I was used to it.
I now have three file folders that are easily 1 inch thick and growing. We had to be inspected for termites. The house had to be appraised by the V.A. people--big gripe here: he came out TWO days after Christmas, Rich and I worked our kids all day on the 26th alongside with us to make the house presentable. They wanted this turned in ASAP so that we could close on Jan.15th. Well, he didn't turn his paperwork in until he got back...TEN days later. So glad I busted my butt the day after Christmas. I digress. We are now ten days behind and being hit with more and more paperwork. Literally, we are under the microscope with the lending agent. It's amazing the things they are asking for. So I have to ask, how come is buying a house harder than attaining a Top Secret SCI Clearance??? Seriously? I am buying house, not selling secrets, which I do not have anyway. The most I know is...oh yeah...NOTHING!
It is totally insane. We are doing our best to take deep breaths, sign, scan, and email. The sooner we get it done, the sooner we can BE done!! We are waiting for the lending agent to send the documents--from FLORIDA! But first we have to send them 7 more signed and scanned documents. I bet tomorrow they slap us with ten more. Do they want blood? DNA? Just sayin!
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Picture of the Day
The boys got haircuts.
GPS...don't leave home without it! I took Kristin to a friend's house. Never been there before. Used google maps. got me good and lost. Turned on my little buddy, and he told me how to get there. I love him.
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I have started a new blog: Metabolism Blues. Click on the picture on the right.
Comments
And that darn paper work! Enough already!
The boys look cute with their haircut. And like your new header. ;)
GPS...never leave home without it.
I don't have a GPS but man do I want one, I hate reading directions!
Stopping over from SITS and wanted to say HI! :)
Thanks for stopping by!
Ok, going to check your new blog!
Off to check out the new blog