Alright -- this was not what I expected, I did not think it would be easy, but what actually happened was just plain awful -- the worse day of I have ever had. My dad picked me up from my sisters house at 8:40am -- We headed over to the house to do a walk through. Surprise, the house was still winterized --- it was pretty hard to do a walk through that way. My realtor had contacted the listing realtor about us doing a walk through, so they knew -- they just didn't bother to de winterize it for us -- yet another miss communication. It made me a little uneasy, but I figured I had looked at it when the water was on, so it must be alright -- one more thing for me to get done when the house was mine.
We left and headed to the bank for me to make a cashires check for $3200 dollars, the amount that my lawyer had called me with earlier that day. We got that done and headed over to the closing. We got their before anyone else and had some coffee -- my Lawyer was their next, and we went into the room we were assigned. My realtor came next, and the sellers Lawyer was already their because he had several closings that day. We started going though the paper work, I signed paper after paper, several stating that I could not use my home for terrorist activities (totally ruined all my plans..), or get any money form another country, stuff like that, over and over again. My Dad could not resist changing the topic and asking about pointless things that had nothing to do with my house closing, but he wasen't TOO bad, but still, I wanted out of their and we were already an hour in. I thought we were almost done -- but i was wrong. The last 2 papers were a problem they were addressing the escrow account for the paint money. Kondor Capital, the seller, wanted to sign off on that and have it my responsibility to take care of that -- however the paper work said that they were responsible for getting people to complete the project, which meant that they would have to continue to insure the property and would not be completely done with the deal--not what they wanted . This really upset the lawyers because they had thought that everything was fine -- they thought that the lender had told them that this would be agreed upon at the closing, and what ever agreement we came up with was fine as long as the money was put up. This was not the case I found out when later I revived a call form my lander who promptly blamed the whole mess on "the clueless lawyers".
We called the lender and talked to them, then needed to go up the ladder and talk to someone else about it. We waited. Finally we got a call, we had to sign or no loan. We waited, the sellers lawyer said that they would not agree to that and when the lender called back he talked to them and offered to give the money directly to the lender and let them hold it till the work was completed -- they had to go up the ladder again. We waited.
Before all this happened I had to call my home insurance guy and pay for my insurance over the phone, because the escrow account was 300 dollars -- 300 dollars that had not been included in my original numbers I had the check made out for, so paying for the insurance over the phone made it possible to change the number which originally included insurance. I had to get him to mail over a recipe etc. -- at the end all that work for nothing because...
Finally we got the call -- the lender would accept, but only if the seller fronted the money to them to keep, I then had to get the job done by April 15th, it would then be inspected, I pay for the job, and they take the money $3500 and put it towards my loan. The sellers Lawyer called the seller -- then had to go up the ladder, then finally they agreed unhappy -- before they would have gotten the extra money back -- but not they got nothing. The sellers lawyer said the conversation went something like this: seller:"so we're not getting ANY money back?!" Sellers Lawyer: "No, nothing" Seller: "what are our other options" Sellers Lawyer" "We can set another closing date or re list the home for the new year" Seller: "hold on" Seller:"get rid if it".
We then signed more papers and sent it all in to the lender, then we waited. We got 2 back to resign, then we waited. finally after I called and left a message to my contact at Wells Fargo, we got the call -- it was all good.
So after 4.5 hours of signing papers, drinking coffee, hearing tons of crazy lawyer stories and a lot of frustration it was over. We headed back to Plano, I was SO hungry. we went to get something to eat, I then realized that I left my keys at my sisters and my truck at my Boy friends -- my sister was not home and my key to her house was in her house. So, my mom had to come all the way to Plano with her key, her windshield wipers stopped working and we had to meet her at my house because it was closer and she couldn't see -- we then all got in the same car went to my sisters on the edge of Plano to get keys, then to Jers in Yorkville to get my truck, then all the way back to Plano to unload it. Wow, so much running around. We got it all un packed and shoved the drive way which had not been shoved the entire winter . That was enough for one night -- everyone headed home to sleep -- I was starving again.
So, I have a house! I'm exited I think. The next day I called the City to get the water turned back on, called Com Ed and was put on hold for 20 minutes, got my name changed over for that, then I called the gas company, got my name changed over for that.
The water guy came later that day, he thinks one of the toilets leaks and would be constantly running, so I have to have my dad look at that among a few other things, but it was done, I had a working house. I started un packing -- It was like playing house with the biggest toy house i'd ever had. It was fun, Matilda found one of my tennis balls in one of my many boxes and started playing around in the house -- My sister came over and helped me arrange things and brig in some more stuff that had been at her house.
I guess thats it -- that is the adventure of buying a house with a FHA loan. It was crazy, I can't believe it is over. So much waiting, so many miss communications and hold ups -- I hope in a few weeks I can say that it was worth it -- I do like the little house. It seems strange that it is mine, i'm not quite sure what to do with it... I guess I will just live their and figure out the rest as I go -- that's what I did when I started this whole process... "live is a dance, you lean as you go..." Live and learn... Never give up.
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