Tuesday, September 2, 2008

Still Waiting

I'm not sure just what is going on with the purchase of our house! I've NEVER EVER been so frustrated before about a major purchase. I mean this isn't like I've gone out to purchase a car and had it made just for me! I found a house that I liked and made an offer on it. The bank accepted our offer and terms. We were already preapproved with full funding and the bank knew this. This was supposed to make them complete the transaction in a "faster" fashion!

OH come on..........!

We started this process in July....and our first house payment is DUE on October 1st. On top of that, the Nehemiah down payment assistance that is part of this purchase will NO LONGER be a government program come October 1st.

We have complied with all of the financial demands...earnest money deposit, appraisal fees, and C I C fees (hoa crap!). We asked if there was ANY other money that we needed to come up with and we were told NOPE that's all. The paperwork was submitted and the day that we went to sign our paperwork (called closing) we were told that we needed the first quarter taxes plus the real estate property transfer fee! WHAT???? You just told us that we didn't NEED any more money for this house!!!! Where was I supposed to come up with $1494.35???? Oh MY GOD! I crunched numbers and recrunched numbers in my checkbook. I jockeyed one bill and then another one...and I still couldn't come up with that amount of cash (which by the way had to be a cashier's check made out to the title company!). Fortunately, my sister, who has been with me through this whole ordeal and my brother in law helped me out.

So....it's been ONE damn week since we signed off on everything and we are still sitting on our ass with NO KEYS to the house yet!

Mad? You bet I am! Pissed off would be closer to what I am feeling!
If I could walk away from this deal without losing a dime, I'd tell the realtors as well as the title company and the bank to shove this house so far up their....well I think you get the picture.

This was NOT a short sale. This was a house that was bank owned and supposedly the bank was ready to sell this property! We have been told to be "patient" to not bring "negative energy" into this deal......BAH! Who the hell are they kidding??? If this were their future home do you think for one minute that they wouldn't be doing everything possible to get this completed???

My trust in the system has been lost. I doubt that I will ever fully recover from this crap of...."We still haven't heard from the bank yet. We will keep you informed."

Bullshit. Just plain bullshit.

And now, I'm not even sure that I want to ever live in this house.

So....how was your day?