Condo: So, these last two weeks have been very erratic as far as this whole condo thing is concerned. I was scheduled to close on Tuesday, October 11th, but my loan fell through that morning. So, then I thought I wasn’t going to get the condo.
Then, the sellers said I could have a few more days if I had the loans approved and just needed time to process. I had until this Wednesday and if I couldn’t get a loan by then, I could use their lender and they would give me the extra leeway for however long he needed because they were more comfortable working with someone they knew. Ooh, I might get the place.
Then, I got approved for two loans that I couldn’t afford. So, I thought, again, that I had lost the condo.
Then, along came lendingtree.com and they said that there were loans out that that I could afford. Maybe I can get the place. So, I called a bunch of people and most of the lenders said it would take 10-12 days. So, I thought I lost the place.
One of the people I talked to said that if I had everything else done for the closing (appraisals and whatnot), they could close for me in 4-5 days. Oh! I’m sure to get the place now!
Schedule the closing for Thursday night. Phone calls all day Thursday assuring me that the loan process is in motion and I have been approved. Everything is going fine. Late Thursday afternoon and still no final number for my check to bring to the closing. Finally, I get the phone call moving the closing until Friday morning. Maybe I’m not going to get this place…
Friday morning, calls all around trying to find out what I need and what time the closing will be. Get a call at 10am saying that they could only get me a 90% loan for the closing that day. They could get me a 5% loan, but it wouldn’t be able to process until next week some time. What do I want to do?
I’ve already made the sellers wait an extra week and a half. I have no idea if they were bluffing or not, but they claimed to have another buyer waiting in case I couldn’t come through. They’re not going to give me another week of leeway.
So, uhh… I’m supposed to come up with an extra $16,000 to bring to this closing in 5 hours? Yeah, right. I really am going to lose this place.
But wait! Thanks to the power of the intarweb, some frantic phone calls, Wachovia, and Fidelity, I was able to close on the condo around 6pm Friday.
So, maybe it wasn’t the best idea to do all of this so rushed and to leave myself with $48.17 to my name (ok, not really…), but I think I got blinded by all the excitement. I’m working on the assumption that since the rest of my life has worked out so well up to this point, nothing could go wrong now, right? Right..?
And to make this all weirder, the lender that the seller wanted me to use and the lender that the broker finally found me a loan with were one and the same: Countrywide. Too bad the guy the seller put me in contact with laughed at the offer I wanted him to match. He said that was impossible and I would lose the place. And yet, it was his company that ended up meeting that offer. This whole industry boggles my mind.
Charity: Joined the Red Cross Knit & Crochet group. We knit and crochet rectangles and then stitch them together to make afghans for old people. It was terribly exciting, I assure you.
Doing the ALS Walk tomorrow. I hope the weather is nice. Supposed to only be cloudy in the morning, so maybe it’ll hold out.
I signed up to help out with the NPR fall membership campaign on Friday. I was so excited about it because they made it sound so fun on the radio when they kept talking about it. And I figured since it was my day off anyway, I could go in and spend half a day there and then go do something else around DC. Unfortunately, due to the condo thing, I had to call and cancel on Thursday evening. I left a message, though. I hope I don’t get in trouble for that…
Work: New boss at work. I don’t think he’s crazy, so I probably won’t have any funny stories about him any time soon. But at least now I have someone to report to. Maybe he’ll give me work to do too!
QOTD: “Should I just yell at your uterus for a while?”