First dance

First dance

Tuesday, February 11, 2014

Not curveballs. Dropped balls.

I swear, this home buying experience is making me absolutely insane. While I've heard it is a stressful process, what we have experienced has been far worse than what anyone could have told us! :/

Our contract had a "must close" date of today, 2/11/2014. We were hoping to and tentatively scheduled to close last Friday, 2/7/2014. But after several DROPPED balls on the seller's side, here we sit, frustrated, agitated and up in the air on when the hell we will be able to close and finally move into our new home.

The 1st dropped ball came when the underwriters realized that Freddie Mac was not on record as owning the condo. If there was no record of them owning it, we definitely could not buy it from them. That was cleared up within a day or two. Then came a curveball. The appraiser totally missed a portion on the appraisal report - so it had to be revised. That took another day or two - but we were still in good shape to close by the 7th. Then came the final dropped ball. The dreaded commissioner report which was never filed when the condo was repossessed by the Sheriff and then re-purchased by the bank. That transaction apparently happened in JUNE of last year - but it was not recorded. And so, we've been fighting since 2/4 to get it recorded and it still isn't done.

So, every plan we had in motion? Destroyed. I had to reschedule our cable/internet installation. I had to reschedule our movers. I had to cross fingers, pray and grovel so our apartment people would let us stay beyond the 14th (luckily they've not re-rented our apartment or we would have been royally screwed). It's one big mess.

Our realtor filed an extension to our contract last Friday, along with a request that the seller pay additional closing costs to make up for all the mishaps and delays in our closing at the last possible minute. Still no word on that. But it better come through. They've jerked us around too much to skate by freely without any consequence.

We've been through hell and back to buy this condo. I just hope and pray it will be worth the fight in the end.

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