So the good news is Fh and I are closing on our first house Monday. However it's been such a hassle with the stupid BANKS!! Girls who are buying a house...beware..b/c of the mortgage crisis banks are asking for everything short of a urine sample at this point.. and of course they wait until the last min to ask for it!! We were supposed to close Friday but alas...one of the loans still hasn't cleared to close yet!!! But the biggest problem is the seller wants to keep possession of the house for two days AFTER we close. (it's in the contract they are allowed 5 days) So... if we closed Friday we'd get in on Monday...BUT of course the bank being Jerks,, we aren't closing until Monday so we can't get in until Wed!!! Screws up moving plans and painting plans.. I know it's no big deal but when you are sooo anxious.. these extra days are just TORTURE!!!! Just needed to vent sorry so long!! Im definitely going to now focus on the good of the situation...WE HAVE A HOUSE!!! I need to cheer up and get out of this pissy mood!!! Oh PMSing isn't helping the situation either!!!! Thanks for listening....ok.. Breathe!!!!!
Mici n KC
Posted:
Member since
Re: closing on a house(vent)
Posted by wifetobe
Posted by Mici n KC
Posted by wifetobe
Posted by FutureMrsPD
Posted by Mici n KC
Posted by FutureMrsPD
Congrats!!! we are in contract too and using Wells Fargo...we got approved withouth having to show anything! All they did was take our word for it and the underwriter approved everything! Our mortgage guy told us we are good to go for the closing. If anybody wants his info, hes in Bellmore. FM me!
Did you do a pre-approval?
we did that first, and then we had to do the regular approval....everything is done until closing, and my attorney checked over all of it and said it looks great!
So did we.. we had everyting in months ago..then...yesterday they started asking for stupid stuff like our Human Resource people.. whom they never called.... Why wait til the last min to ask for these things!!!!
I just emailed my HR person now! I hate when stuff is last minute and instead of me scrambling, I'm going to have everything ready to shoot back at them!
Good idea!!! It's funny.. Finding and buying the house is easy...CLOSING IS THE B I TCH
I know, but I can't wait!
wifetobe
Posted:
Member since
Re: closing on a house(vent)
Posted by FutureMrsPD
Posted by Mici n KC
Posted by FutureMrsPD
Posted by Mici n KC
Posted by FutureMrsPD
Congrats!!! we are in contract too and using Wells Fargo...we got approved withouth having to show anything! All they did was take our word for it and the underwriter approved everything! Our mortgage guy told us we are good to go for the closing. If anybody wants his info, hes in Bellmore. FM me!
Did you do a pre-approval?
we did that first, and then we had to do the regular approval....everything is done until closing, and my attorney checked over all of it and said it looks great!
So that's when you had to show stuff. We did that too. So far (and I'm crossing all fingers and toes) we won't have to start searching for all this other stuff!
see, thats what the underwriting department does...our guy pushed for that do be done right away that way we wouldnt have to deal with it as it got closer to the closing date. And he said we got away with not having to show anything. He said it's a random thing, some people get lucky. Thank god we did!!!! I'm sorry you have to be going through this though =(
YOU'RE SOOO LUCKY!!!
wifetobe
Posted:
Member since
Re: closing on a house(vent)
Posted by Mici n KC
Posted by wifetobe
Posted by Mici n KC
Posted by wifetobe
Posted by FutureMrsPD
Posted by Mici n KC
Posted by FutureMrsPD
Congrats!!! we are in contract too and using Wells Fargo...we got approved withouth having to show anything! All they did was take our word for it and the underwriter approved everything! Our mortgage guy told us we are good to go for the closing. If anybody wants his info, hes in Bellmore. FM me!
Did you do a pre-approval?
we did that first, and then we had to do the regular approval....everything is done until closing, and my attorney checked over all of it and said it looks great!
So did we.. we had everyting in months ago..then...yesterday they started asking for stupid stuff like our Human Resource people.. whom they never called.... Why wait til the last min to ask for these things!!!!
I just emailed my HR person now! I hate when stuff is last minute and instead of me scrambling, I'm going to have everything ready to shoot back at them!
Good idea!!! It's funny.. Finding and buying the house is easy...CLOSING IS THE B I TCH
I know, but I can't wait!
Niether can I!!!! GRRRR these extra days are a killer!!!! I
trojo1521
Posted:
Member since
Re: closing on a house(vent)
Believe me, it happens to everyone when they close. The bank asks for everything with like 500 signatures. It's almost over...
lillprincess54
Posted:
Member since
Re: closing on a house(vent)
I WORK IN NJ AND WE DONT HAVE THAT 5 DAY THING IN ECSROW.
I KNOW IT WASNT IN MINE WHEN WE PURCHASED OUR HOUSE LAST YEAR TOO.
BUT THEM AGAIN RULES USUALLY TO VARY FROM STATE TO STATE
wifetobe
Posted:
Member since
Re: closing on a house(vent)
Posted by lillprincess54
I WORK IN NJ AND WE DONT HAVE THAT 5 DAY THING IN ECSROW.
I KNOW IT WASNT IN MINE WHEN WE PURCHASED OUR HOUSE LAST YEAR TOO.
BUT THEM AGAIN RULES USUALLY TO VARY FROM STATE TO STATE
Yeah unfortunately that is standard language in a contract in NY. It really stinks but what can you do??? I guess it's for people who need your money to close on another home or they are waiting for a closing ...you can't push them out and leave them homeless.
FutureMrsPD
Posted:
Member since
Re: closing on a house(vent)
Posted by wifetobe
Posted by FutureMrsPD
Posted by Mici n KC
Posted by FutureMrsPD
Posted by Mici n KC
Posted by FutureMrsPD
Congrats!!! we are in contract too and using Wells Fargo...we got approved withouth having to show anything! All they did was take our word for it and the underwriter approved everything! Our mortgage guy told us we are good to go for the closing. If anybody wants his info, hes in Bellmore. FM me!
Did you do a pre-approval?
we did that first, and then we had to do the regular approval....everything is done until closing, and my attorney checked over all of it and said it looks great!
So that's when you had to show stuff. We did that too. So far (and I'm crossing all fingers and toes) we won't have to start searching for all this other stuff!
see, thats what the underwriting department does...our guy pushed for that do be done right away that way we wouldnt have to deal with it as it got closer to the closing date. And he said we got away with not having to show anything. He said it's a random thing, some people get lucky. Thank god we did!!!! I'm sorry you have to be going through this though =(
YOU'RE SOOO LUCKY!!!
haha thanks! Thats about the only thing i got lucky with in my life!
wifetobe
Posted:
Member since
Re: closing on a house(vent)
Not true... you got lucky in love as well!!!
FutureMrsPD
Posted:
Member since
Re: closing on a house(vent)
Posted by wifetobe
Not true... you got lucky in love as well!!!
haha well, he really didnt have a choice in the matter! LOL
