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.

The God of Thunder is ticking me off

So the meteorologists were right.  Why now?!  Snow storm Thor (yes the darn storm is named Thor!) has forced us to reschedule our pre settlement.  Our PM was a little nervous about his drive home this afternoon and asked to rescheduled.  When I called my inspection company to reschedule- she pretty much called them wimps.  Why?  Because their inspectors are still out working, in the snow.   I will admit I would have probably call to reschedule anyway as both of my kids are home.  I may be crazy enough to go by myself in this mess but I will not do that to my children.

Rescheduled pre settlement date is now Monday and inspection will be Tuesday.

Still waiting on the call from Homeside- our mortgage company.  Cross fingers!  We have come too far to let this house slip away!

Another Snow Storm

Mother Nature is playing with my emotions.  The Philadelphia area is predicted to get 3-5 inches (or 4-8 inches depending on who you listen to) over night.  Actually the snow storm is suppose to last most of the day on Thursday causing some forecasters to say it may be even a foot of snow.

While the meteorologists are jumping up and down with glee- I keep praying that they are all DEAD WRONG!  A snow storm means that I  may not be able to do pre settlement tomorrow.  It may also mean I will have to re schedule my inspection.  To top it off- I am stressing over this mortgage.  They keep asking for MORE paperwork.  And even after we gave them all that- they wanted us to lower more debt.  Excuse me? In one week?! So I had to pour over the credit report and found a couple of reporting errors.   I will be so glad when this part is over.

PRAY FOR ME!

Let the Countdown begin!

I know its a little cheesy- but I just added a countdown clock to the blog.  Its really simple and unobtrusive but it does make it feel like Christmas.  And not the adult Christmas.  I am talking about the kid Christmas where you could barely go to sleep thinking about all the goodies that could possibly be under the tree.  THAT'S the feeling I am going for.

Are you adding a countdown clock?

Where do I start?

My PM called today to tell me the progress and confirm my walk through next Thursday and let me know the progress of the house.   Apparently not one company in the area is mixing asphalt and I need asphalt to have my driveway repaired.  So what do we do- keep begging asphalt companies to mix away.

Next my driveway apron needs to be moved over 2-3 feet but concrete cant be poured for it until its a little warmer, which happens to be this coming Wednesday where its predicted to be nice toasty 55 degrees.  Yes I know that was a run on sentence.

I also got a chance to question the staining of my steps and that loose board of my portico.  Yes the steps and banisters was touched up but I can critique them again on Thursday.  As for the portico he will take another look it and have it repaired- still no word on the missing railings.

Last piece of information- we are totally locked out!  The locks have been switched to the fancy bronze hardware and the only 2 people who have the key are my PM and the settlement company.

Right after speaking to our PM, our loan officer called.  We need to fulfill the remainder of our conditions (W2s, bank statements and taxes) because we are scheduled to close on March 12th.  SAY WHAT?  We had been kept in the dark for so long we had no clue that the we actually had a date.   What about the appraisal?  That was completed in January.  Why didn't we get a copy of it?  Because underwriting gets to see it first and nothing will be turned over to them until the rest of the conditions are met.  Yikes!

I just had to

I went back to visiting the house before work.  I had to; it was driving me nuts not to see it in person.
I immediately noticed that my front door now has color

The color is better than I thought it would be- I mean really those tiny swatches they give you leaves much to be desired.  

I also noticed that my portico is still missing but my foyer window has been trimmed out.  Not quite sure if I like the extra trim

I would have been happy with just a glance from the outside until something caught my eye as I was heading back to the car

Why is that board loose?  If you look closely at the first pic I posted you will noticed that the right side is nice and flush but the left side.......  I went back through my pic gallery and right there on February 7th, the exact same thing.  So this says to me a couple of things:  glad I am hiring an inspector because I definitely glossed over that one AND when the hell are they going to notice and fix that??   Scrolling even further back, this board wasn't as bad prior to installing the columns but pic after pic it has gotten progressively worse. What are we waiting on? My missing portico?  And to think I was slyly chided about visiting the house so much.

Lovesick Homesick

I have been trying to occupy myself until I get a chance to see my home again.  I didn't get an opportunity this past weekend as the boys activities completely overtook the entire family.  I have taken to reading my own blog and looking forlornly at pictures of the house that I took.   Yes folks- I am lovesick homesick and its bad.  We have been waiting for this moment for so long and now that's its so close- it seems even farther away! *sigh

To keep myself busy I have been working to fulfill my Etsy orders- which seem to be flowing better this month than the previous months- when I wanted to save more cash!  In any case- I have received a few large orders plus some smaller ones which has sufficiently kept me busy.  Okay not quite- I also started researching perfume making again.  But that process is still way into the future as I will be developing and testing blends for a bit.

The other thing I have been doing is searching artistic pieces- paintings and sculptures.  I originally started on Etsy- looking for one of a kind pieces and generally found one of a kind prices!  Starving artist my foot!  If I really liked the piece it was either from another country ( I want made in the USA)  or it exceeded my personal limit of $200.  That being said I did find a few items.

I then amused myself and took a gander at Amazon.  Surprisingly enough- they do have a fine art section but the prices there were even higher than Etsy.   Lowering my expectations, I decided to look at reprints/ copies on stretched canvas and found a few items that look pretty decent

What did you do to kill time until you got your keys? Holding off on doing a lot of shopping right now but oh how I want to pull out that plastic!