I usually do well with being patient with things and I’m very much that annoying person always saying to someone who’s worked up, “Just relax, you have to prepare for the worst and hope for the best.” “Whatever happens is meant to be.” “Have faith that things will turn around.” …yeah, yeah…right now? Nope. I am Debbie Fucking Downer and I’ll be damned if you’re going to tell me to relax or hope for the best or have faith or whatever happens is mean to be… I get it, I REALLY DO. I get that you have to be positive and hopeful… but right now? I cannnnnnnn’t. *stomps feet and crosses arms with frown face*
So, if you’ve read any of my posts from late last week and Monday of this week (ohmahgah! twice in one week!) you’ll notice that changes are afoot. We won’t go into the fact that I’m currently homeless and have half of my shit in a storage shed that I’m paying $60 a month for – that’s expensive, ugh – really it’s not, but it’s $60 that I don’t want to continue spending per month when I could be spending it on a mortgage or a place of my ownnnnnnn.
So after my! excited! post! about! my! potentially! new! to me! house! on Monday… I received a comment from GeekByMarriage…
…and so I kind of gasped because I have had this fear all along – especially considering all the reviews out there and the nightmares of short sales… but you know I’ve tried to push it aside and do the whole, “ohhh it can’t be thaaaaaaaaaat bad” thing… but for that reason all itself I’ve remained cautiously optimistic, yes, extremely excited but I’m trying my damndest to not get my hopes up. So I replied…
…you know because, HAI!…
…TAX CREDIT… we’re using it as our down payment sooooo… you know, kiiiiiiiiinda need the banks approval on that sale price before the 30th of April. I’ve heard horror stories of Bank of America and the shit they pull. I KNOWWWWWWWW they’re busy but christ almighty, deadlines people, DEADLINES! But the honest truth is that they could give two shits less if we meet deadlines or if the house sits empty. They’re already going to lose their ass on it, sooo…
OH CHRIST. Bank of America…(watch this if you have 8-10 minutes – it’s really good)… but, ha! Kinda laughed at the “they couldn’t find their ass with both hands and a flashlight.” *snort* …so then…
…and then I dropped on over at GeekByMarriage’s blog this afternoon and…
OF COURSE. OF FUCKING COURSE IT IS!
I’m going to go lay in the fetal position now and cry with my bottle of vodka. I’ll be back when the sun shines again. And don’t you dare tell me to be optimistic and hope and blah blah blah because GeekByMarriage isn’t the only one with these horror stories. SEE?
Hold Me.
Bank of America – Clearly, you’re not liked by many and the houses that so many people including myself are approved for and accepted for by the seller, it’s YOU GUYS letting it go to hell… letting it sit empty for months/years…YOU are losing money…I know if I treated customers the way you treat customers, I sure as hell wouldn’t have a job. HIRE MORE PEOPLE AND GET THESE HOUSES MOVING. STAMP, APPROVE. You know, some is better than none, right? Or, wait… did you lose the 5th package of paperwork we’ve sent you? Here, let me send you another. Just what do you DO with all the papers if you’re constantly losing them. Where is all of this important financial information and documents like SSN’s and bank account information… Where is all of that going if you continue to magically lose these files? THAT is what scares me.
I WANT THIS HOUSE you guys and I’ll be damned if BofA will continue the bullshit they are pulling… it’s ridiculous. Especially when someone is offering more than asking price and not asking for ANYTHING ELSE, NOTHING – The bank won’t have to do a single damn thing… but watch, you watch… they’ll come back and say, “We counteroffer you to pay an additional $8,000″… considering the house just dropped $10k a few weeks ago and has been on the market for over 6 months… If they could have gotten it for the $10k more they WOULD HAVE SOLD IT! So DON’T ask for additional money… quit being fucking greedy and take what you can get.
*UGH! Touchy subject but I have a feeling there may be a few more of these bitch fests in the future. If you or someone you know has a Bank of America horror story or a good story regarding short sales please feel free to leave it in the comments.
**And if anyone from Bank of America happens to stop here at this place (haaaa! yeah right, but whatever) - My file was sent over today and I NEEEEEEEEEEEEEEEEEEEED it approved by April 30th – neeeeeeeeeeeeeeeeeeeeeeeeeeed, not want, neeeeeeeeeeeeeeeeeeed. You could have this house off the market lickity split. Oh, and while you’re at it… get to hers too.
***T-Minus 42 days until April 30th… I’m so screwed.
****In other news, please go vote for my boy… 
He is in round 3 and search Duke.
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There might be some hope in the form of new regulation giving banks 10 days to approve or deny short sales. Not sure when it goes into effect but let’s hope it’s soon and that it’s enforceable.
http://www.miamiherald.com/2010/01/13/1421797_p2/10-day-limit-on-short-sales-may.html
Ugh, banks are evil in general. This situation sounds like it totally blows! I’ll keep my fingers crossed for you!
I like your new hair cut.
Good luck with the new house.
Just got a call. Bank went ahead and foreclosed on our short sale house. We get first dibs to offer again after the bank decides how much they really want for it. We should have an answer within 2 weeks.
@GeekByMarriage, OFFER LESS!!! way less than what your current offer is. REOs are selling fast and cheap! Bank of America’s REO department is much much better than the shitty short sale department.
@GeekByMarriage, hey check out the comment I just got on my bank of America post… It’s to you.
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