Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Friday, March 6, 2015

What a complete mess!

I am not a cursing woman but I am seriously thinking about it.  We are set to close on Thursday-or so we thought.  The mortgage company that NVR set us up with decided they needed MORE paper to verify our income.
Problem 1:  we just found out 2 weeks ago that we were suppose to close on the 12th.

Problem 2: Discovered that they had sent a pre approval letter to RH based on us selling our current home when we signed a NON CONTINGENT agreement.  They did not send us this letter, just to RH to let them know to start building the house.

Problem 3: they attempted to pull this letter out as proof that we failed at our task of selling our home as agreed upon.  We didn't agree upon it because there was no way we could sell our home with how hectic our life is on any given day.  We needed to be moved out completely to allow for any minor repairs, a coat of paint and a good cleaning to sell this home.

Problem 4:  They calculated my income wrong and disallowed some of my husband's income thereby increasing our  DTI.

Problem 5: they now want a copy of our taxes to prove our income to show that our actual DTI is much lower than they calculated.

I am so done right now.  We need one more 1099 to complete the taxes which I have no idea when we are going to get that- I am hoping by Tuesday but in any case NONE of this has been submitted to the underwriter.

I know this will work out but I am so aggravated at this point with this mortgage company that I could scream.  Now it looks like WE are holding up the process when that paper work was done incorrectly (by them not us) and we were not notified of closing date until late in the game.  If we were told 4 weeks ago- maybe this would have all been resolved.

Sunday, January 4, 2015

I can't believe this!

Or maybe I should.  I have always held the belief that the biggest money issues arrive when you can't spend the money.
Case in point- I purchased a Kenmore Elite range about 3-4 years back, with the knowledge that I would be moving in the next 5 years (or at the time I had seriously hoped I would be moving).  Today for breakfast I cooked pancakes and I broiled bacon.  I do not fry bacon on the stove-ever;  I will forgo hot scalding splatter thank you very much.

 Every thing was going great.  I decided to bake chicken nuggets for the kids lunch and I turned the oven on.  Twenty minutes go by and I realized the darn thing hadn't heated at all.  I turned it off and turned it on, listening for the classic "whoosh" I normally hear when it has ignited.  Nothing.  Must be the pilot right?  It took me and my husband another 20 minutes to remember that this oven has an electric starter- no pilot light.

I started to set up service with Sears but didn't because they couldn't come out until Thursday and it would be $85 just to look at the problem.  Finally tried Home Advisor, which I had done before and found an appliance repair person with excellent reviews and that worked  on Sundays.  I picked up the phone to call at 3:52 pm only to notice that their Sunday hours are 9-3 pm.   Smacks forehead.

There goes the roasted chicken dinner, with rosemary potatoes and green beans I was going to make.  I had even considered baking a cake.  Instead I will have call the repair place first thing in the morning to set up service and brace myself for a possible $200 bill.  I am so hoping its a lot less than that as the work should take no more than 1 hour but I rather assume the worse and be pleasantly surprised than to have a minor heart attack.