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Still no house... - John [entries|archive|friends|userinfo]
John

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Still no house... [Mar. 11th, 2010|12:03 pm]
John
Bank told us to write the escrow contract. Then told us they wouldn't tell us what would be acceptable.

Then - try to guess whether or not I'm surprised - they decided they didn't like how it was written.

We may have straightened that out - maybe someone informed them that we live in the real world.

But now they want me to pay for housing inspections.

You know what? Fine. I don't care any more. But tomorrow, I'm deciding that this just isn't working. Either I have two dates, one for signing documents, one for closing, or, that's it, I'm done. I'll decide if I can make the other candidate work; if I can, great, I make it work - but I'm strongly tempted to get a loan from anyone-but-my-current-bank.

ETA:
My agent was incorrect. It's not that the bank wants me to pay for housing inspections. They are insisting on all work being done, and then the contractor gets paid a single lump sum. So, I was wrong - they weren't informed that we live in the real world.

Doug's seeing if there's any way to salvage the deal. And my loan officer is feeling unappreciated because I pointed out that if I'd *known* the conditions, I could have worked with them.
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Comments:
[User Picture]From: tiger_spot
2010-03-11 09:00 pm (UTC)
Argh. I am sorry you're having so much trouble with the bank. Our closing got delayed a day because the bank hadn't mentioned they wanted documentation of the sale of some stocks that went into our down payment. "But we told you when we applied for the loan that that's where that money was coming from! If you'd told us you wanted documentation we could have gotten it to you weeks ago!" I think banks are not very good at communication, as a species.
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[User Picture]From: johnpalmer
2010-03-11 09:22 pm (UTC)
Breathing I got.

But the final insult was the bank officer throwing a new condition into the mix at the last minute and then feeling unappreciated when I said that it's not a condition we can meet *now*, and that we could have foreseen this and done something about if *if* we'd known.
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[User Picture]From: tiger_spot
2010-03-12 07:27 am (UTC)
"Unappreciated." Well. Sure, that's one way to put it.

Where are those sharp sticks? I heard mention of sharp sticks.

We can show him "unappreciated."
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[User Picture]From: kightp
2010-03-11 10:16 pm (UTC)
I may, at this exact moment, be more upset about this than you are. As you know, my emotional state isn't exactly ... trustworthy ... just now. But still, I want to poke your loan officer with sharp sticks...
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[User Picture]From: karenkay
2010-03-11 10:30 pm (UTC)
I do, too, actually. This is making my 4-month-long refi saga sound like a fairytale. I would have given up long ago.
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[User Picture]From: kightp
2010-03-11 10:33 pm (UTC)
Hehehe. And both of us *have* sharp sticks, too!

Edited at 2010-03-11 10:33 pm (UTC)
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[User Picture]From: karenkay
2010-03-11 10:36 pm (UTC)
Yes. I would poke their calculator fingertips AND THEIR EYES!!!!!!!!!
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[User Picture]From: awryday
2010-03-11 10:52 pm (UTC)
Wow. Speechless.
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[User Picture]From: tigerbright
2010-03-12 11:43 am (UTC)
*facepalms*
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