That’ll be me while I’m sitting here waiting at the mercy of the lender who is in charge of The House. I HATE being at the mercy of others waiting for them to drop the ball or speed up the process. I want to be right there behind them, swatting at them to get their asses moving cause I got things to move… provided all goes smoothly becausssssssssse………..
WE GOT THE HOUSE!!!!!!
THE! HOUSE!
THE HOUSE!
Except it’s a short sale property – it’s currently in between I think short sale and foreclosure and I don’t know all that technical crap of banking and monies and lenders and laws and processes and… you know. All I know is that I’ve got my approved financing, I’ve got my offer accepted, I’ve got money saved, I’ve done my part… all of it, signed, sealed, delivered… now they best get their ass moving.
As you may or may not know, short sales are a royal pain.
A) there are thousands of people going through either short sales or foreclosures while either selling their home or someone (like me) who is purchasing a short sale or foreclosure property. B) there are thousands and thousands of people needed to review properties and amounts and dollars and cents and offers and sales and financing crap that every little thing needs to be evaluated C) Appraisals need to be done, inspections completed, lenders approving the selling price, counter offers, etc D) and one nasty nasty nasty last bit of suckage about dealing with a short sale or foreclosure is that getting the banks approval could last more than 2 months! TWO MONTHS! We may not hear from the bank for TWO MONTHS! on whether or not they’ll take that selling price. Now, maybe the lender of the (our future) house is nice and close by and will delightfully sign our offer and agree to our requests because uh, HAI!
We are paying them more than asking price, all of closing costs and not asking them for ANYTHING NOTHING NOTTA! Nothing else! We were the 6th offer and finally offer. They were about to accept one of the 5 prior offers when all of a sudden we came along and offered the biggest and best and knocked the other offer to the curb. The listing agent COULD have submitted both of our offers to the bank and the bank could have countered us both and said see how much better both of your offers can do… but she isn’t, she’s only sending our offer, the best one of the 6… so I’m hoping that’s going to work in our favor so they don’t have to piss and moan with the ugly dirty work to lolly-gag along… don’t they know I have walls to paint and carpet to clean?
Once the bank approves the selling price to the seller and agent, then that baby is ours for sure… and then it’s just that lovely closing process that scares the living shit outta me and I don’t know why.
Oh, and since we’re doing this we’re getting the $8,000 tax credit and using that as a down payment and well, that’s why we NEED this bank approval by April 30, 2010 – which is 60 days away and it is likely that we’ll get bank approval by then… we don’t need to close by then, just get the bank to sign off on the price. Then we have until June 30, 2010 to close.
So, in the mean time… you may or may not find me in either the psych ward in a straight jacket because of the severe anxiety and anticipation and wait and UGH! I DON’T DO WELL WITH THIS BEING AT THE MERCY OF OTHERS CRAP!
And, if I’m not in a straight jacket or psych ward, then I’m probably boots up under the bar with not a clue of what’s happening… and I likely don’t know my name, and you’re probably Suzie and Jim and that one person, that one person I never met. DID YOU HEAR ME! I DON’T DOOOOOOOOOOOO THIS BEING AT THE MERCY OF OTHERS CRAP!
If anyone has any patience laying around, feel free to send it my way… This is going to be a test that I don’t want to fail… I need to pass this baby with flying colors… let’s just hope we can get to the end in one piece… Mkay?
Prayers, Joo Joos, Good Thoughts, Happy blah blah, whatever you say to wish upon the stars… feel free to throw a few in there for me every now and again because I DONT DOOOOOOOOOOOO THIS BEING AT THE MERCY OF OTHERS CRAP!
PS: I kinda almost pretty much … BOUGHT A HOUSE TODAY!!!
In other news, I was a big nerd and recorded my boys tonight… they are my babies, that’s for sure. My parents are on vacation and I’m watching their two boys Jack and Rex and then I have my babes here Dukey. Anyways, no laughing at my jibberish 
{ 9 comments… read them below or add one }
Congrats, girl! How exciting! And the house looks beautiful! I’m so happy for you and Chris to be able to permanently settle into your own place….sounds like things are really coming together for you guys!
@Jessica, Thank you Jessica! I’m super excited… wee tad anxious and nervous, but mostly excited
xoxoxo How are you by the way?
That is so exciting lady! Congrats! The house looks awesome!
Want to let me borrow that straight jacket? We offered on a short sale house at the beginning of Sept. We’ve been the only one to offer. Still waiting to hear from the bank. It’s a fucking nightmare.
@GeekByMarriage, exactly my fear my darling… I can’t even comprehend it, so frustrating. I’m hoping ours is a small local bank but God only knows. Do you know who your lender is for that house or what that banks name is?
@GeekByMarriage, Are you guys doing the first time home buyers tax credit?
@Krystle @snarkykisses, Yes, ma’am! BofA is the lender and they couldn’t find their ass with both hands and a flashlight. They keep forgetting to input info into the data banks and shit so that puts us weeks behind all the time. I hope to hell yours is a small lender! Get ready for a long bumpy ride if it’s not!
@GeekByMarriage, christ on a cracker… I’m going to start stocking up on the alcohol now. I’ve heard BofA is a royal bitch. So help me God that’s not ours… head/desk.
@Krystle @snarkykisses, Nooooo Noooooo Noooooooo! I am sooooo sorry! Come over and we’ll get shit faced! Maybe it won’t be so bad in your area!
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