Especially since my publicist (*cough*mom*cough*) thinks I've been sharing too much publically. I told her no one reads this, but apparently someone read it once to tell someone in the cloth diaper world that I was going to sell the business.. so maybe she has a point.
We signed something like 60 pages of stuff that was supposed to make the house ours on Friday.
Today I have a request to sign and provide yet more stuff.
So.. yes. Still in house-owning pergatory.
Thanksgiving came and went. Rather than spend time eating with family, we went shopping. And planned our day-after-thanksgiving shopping spree.
We planned on both going and one of us taking the kids, but cooler, more rational, or at least sleepier heads prevailed at 4:30 am and Larry stayed home with the kids. By the time I came home by 9am, he decided that I did indeed have the shorter straw in the game of parenting.
We bought a fridge at a black friday price, then went to another store and in conversation with the appliance dept manager, came back the following day (Sat) to store b to buy the newer version of the same fridge for $200 less and returned fridge a to store a. Sounds difficult, but it really wasn't, since we didn't pick up fridge a from the store, yet.
Now if only we can find a great deal on a stove and dishwasher and gas dryer.
Have decided that if we're actually going to be able to move from this house by Jan 1 that we're going to need to hire help.
And now I go to fax 50 pages to someone new in the 'sign, fax and return with documentation' game.
Monday, November 30, 2009
Saturday, November 21, 2009
Brief Update
We've been to the Sequoias and back.
It was nice and I'll come back when I have more time (ha ha ha! perhaps in 2062? Ok- less pressing issues) to upload the pictures. There was...SNOW on the ground and the day we left they were supposed to get FEET of the stuff. We did not have chains for our tires, so we were not supposed to be there.
I didn't realize Sequoias only grow at 5000+ ft altitude.
Silly me.
I was expecting to get there for the 60-something degree weather we have here.
Next time we bring winter coats hats and gloves.
The house closing is not going well.
At all.
The "assistant" who is supposed to be handing our case has let it sit on her desk countless days and now (supposedly) our file is back at an underwriting department for yes, you got it, ANOTHER underwriting. We've been approved but the first underwriting, but apparently there is a second underwriting that has to happen.
And it being a holiday week, if it doesn't get done by Tuesday, we can't close this week.
[bang head here]
And then we go into the penalty stage.... Because Wells Fargo branch A has someone who has dragged her feet and sees no urgency, we will be charged by Wells Fargo branch B because she didn't do her job in a timely manner.
No. Not at all pleased with this turn of events.
I wish I knew a lawyer who could start threatening them with something. Anything. It's just incredibly frustrating.
It was nice and I'll come back when I have more time (ha ha ha! perhaps in 2062? Ok- less pressing issues) to upload the pictures. There was...SNOW on the ground and the day we left they were supposed to get FEET of the stuff. We did not have chains for our tires, so we were not supposed to be there.
I didn't realize Sequoias only grow at 5000+ ft altitude.
Silly me.
I was expecting to get there for the 60-something degree weather we have here.
Next time we bring winter coats hats and gloves.
The house closing is not going well.
At all.
The "assistant" who is supposed to be handing our case has let it sit on her desk countless days and now (supposedly) our file is back at an underwriting department for yes, you got it, ANOTHER underwriting. We've been approved but the first underwriting, but apparently there is a second underwriting that has to happen.
And it being a holiday week, if it doesn't get done by Tuesday, we can't close this week.
[bang head here]
And then we go into the penalty stage.... Because Wells Fargo branch A has someone who has dragged her feet and sees no urgency, we will be charged by Wells Fargo branch B because she didn't do her job in a timely manner.
No. Not at all pleased with this turn of events.
I wish I knew a lawyer who could start threatening them with something. Anything. It's just incredibly frustrating.
Friday, November 13, 2009
Up to the minute housing news
We got a message from our realtor that the house finally passed and that we're good to close on Thursday.
And then tonight I get an email and phone message from our mortgage broker assistant wanting to go over the numbers on our W2s and taxes.
Seriously.
I sent back a 'break it down Barney style' email and cc'd her boss.
I am still not in a mood to be messed with. And I'm not even sure who to direct my frustrations about this whole process at. But she got in my line of fire tonight.
So between now and Thursday we might go take a road trip as a family to see the Sequoias.
If I disappear, that's where I'll be.
Or sitting in a corner rocking and moaning to myself
And then tonight I get an email and phone message from our mortgage broker assistant wanting to go over the numbers on our W2s and taxes.
Seriously.
I sent back a 'break it down Barney style' email and cc'd her boss.
I am still not in a mood to be messed with. And I'm not even sure who to direct my frustrations about this whole process at. But she got in my line of fire tonight.
So between now and Thursday we might go take a road trip as a family to see the Sequoias.
If I disappear, that's where I'll be.
Or sitting in a corner rocking and moaning to myself
With the good comes the bad
Sometimes it's good that I've been able to get over my fear of talking to people and talk. Sometimes too much and sometimes I says stuff that comes out completely wrong and leads to one of those silences.
Sigh.
The more tightly wound I become the more I have a tendency to say just whatever that comes to my mouth (it skips the mind part, so it doesn't come to mind). With the house and everything else going on, it's safe to say I'm pretty tightly wound these days.
I started running again which used to help me unwind, however I gave myself a bursitis in my foot which put a quick end to that and made me even grumpier. That and the dumb dog tried to bite the rotating belt of the treadmill or has jumped up on it only for it to fling her backwards into a chair. Which the kids think is hysterical if they're awake and encourage her to do it more. But it ruins my rhythm having to stop to yell at the dog to stop or to put her outside to howl to come in or behind her gate to bark and howl to come out. (why did I get a dog??)
But my foot decided it'd had enough of that nonsense, anyway.
Other than that.. it appears the appraiser has it in for us because she doesn't like our real estate agent or the fact that he challenged her appraisal value. Larry is about 1/2 a breath away from calling her up and asking 'what is your problem?!' House has still not passed her inspection and while she's not supposed to add new things when she goes to re-inspect old ones she did and appears that she will.
I can't wait to hear what she'll say when she sees Larry moved our little trailer into the garage there.
He's about ready to start moving all our tools over there so we can start moving now while she's dinking around with the reports and inspections. Really, we've already been working on fixing it, it's practially ours.
And to be really honest, I'm digging the real estate lock box with key feature. You don't have to worry about loosing the key, you just remember the 4 digit code. That would come in handy here at least weekly.
In other news.. wars and rumors of war.
Kids are doing well, I'm learning a whole lot reading all the history books before deciding to dumb it down considerably for my first graders. I never understood the Crusaides before. I mean I'd heard of them, particularly with the Spanish Inquisition, but I never understood the reason behind them before. And NOW all the volitility surrounding Jerusulem makes alot of sense to me.
And we also studied comets and shooting stars. Apparently a big one fell in Jerusulem which is a holy site for a religious group. Built a shrine around it and bow to it. My kids couldn't understand the concept of bowing and worshiping a rock.
But it all ties in. It's pretty wild. And as much as I'd love to send my kids to school, I'm still hemming and hawing on what or how much they'll actually learn there. I mean besides the required gay penguin book in 3rd grade. Yes. It's CA required ciricullum to study a book about gay penguins in 3rd grade. Somethings I could live without living here. That would be one.
The traffic would be another
And the cost of living
And rain would be nice once in a while
But if I need a little kick into being thankful all I have to do is watch the weather channel anytime from now until April. Always makes me feel better about living here. Just wish I could convince family and/or friends to move here with us.
Sigh.
The more tightly wound I become the more I have a tendency to say just whatever that comes to my mouth (it skips the mind part, so it doesn't come to mind). With the house and everything else going on, it's safe to say I'm pretty tightly wound these days.
I started running again which used to help me unwind, however I gave myself a bursitis in my foot which put a quick end to that and made me even grumpier. That and the dumb dog tried to bite the rotating belt of the treadmill or has jumped up on it only for it to fling her backwards into a chair. Which the kids think is hysterical if they're awake and encourage her to do it more. But it ruins my rhythm having to stop to yell at the dog to stop or to put her outside to howl to come in or behind her gate to bark and howl to come out. (why did I get a dog??)
But my foot decided it'd had enough of that nonsense, anyway.
Other than that.. it appears the appraiser has it in for us because she doesn't like our real estate agent or the fact that he challenged her appraisal value. Larry is about 1/2 a breath away from calling her up and asking 'what is your problem?!' House has still not passed her inspection and while she's not supposed to add new things when she goes to re-inspect old ones she did and appears that she will.
I can't wait to hear what she'll say when she sees Larry moved our little trailer into the garage there.
He's about ready to start moving all our tools over there so we can start moving now while she's dinking around with the reports and inspections. Really, we've already been working on fixing it, it's practially ours.
And to be really honest, I'm digging the real estate lock box with key feature. You don't have to worry about loosing the key, you just remember the 4 digit code. That would come in handy here at least weekly.
In other news.. wars and rumors of war.
Kids are doing well, I'm learning a whole lot reading all the history books before deciding to dumb it down considerably for my first graders. I never understood the Crusaides before. I mean I'd heard of them, particularly with the Spanish Inquisition, but I never understood the reason behind them before. And NOW all the volitility surrounding Jerusulem makes alot of sense to me.
And we also studied comets and shooting stars. Apparently a big one fell in Jerusulem which is a holy site for a religious group. Built a shrine around it and bow to it. My kids couldn't understand the concept of bowing and worshiping a rock.
But it all ties in. It's pretty wild. And as much as I'd love to send my kids to school, I'm still hemming and hawing on what or how much they'll actually learn there. I mean besides the required gay penguin book in 3rd grade. Yes. It's CA required ciricullum to study a book about gay penguins in 3rd grade. Somethings I could live without living here. That would be one.
The traffic would be another
And the cost of living
And rain would be nice once in a while
But if I need a little kick into being thankful all I have to do is watch the weather channel anytime from now until April. Always makes me feel better about living here. Just wish I could convince family and/or friends to move here with us.
Wednesday, November 11, 2009
So my father sent me a link
And I thought it was funny enough to share with my bloggy audience of 2.
Or at least it was funny if you'd worked in healthcare or intimately knew someone who did.
But before I went and cut and pasted it for the world to see, I read this: (I bolded for emphasis)
Copyright © 2009 by theAmerican Academy
This content is owned by the AAFP. A person viewing it online may make one printout of the material and may use that printout only for his or her personal, non-commercial reference. This material may not otherwise be downloaded, copied, printed, stored, transmitted or reproduced in any medium, whether now known or later invented, except as authorized in writing by the AAFP. Contact fpmserv@aafp.org for copyright questions and/or permission requests.
How's that for wordage? and how much do you imagine they paid a law firm for that line?
But since they won't share, I can't, either.
Bah humbug.
PS.
Does this count as filtering what I write?
Or at least it was funny if you'd worked in healthcare or intimately knew someone who did.
But before I went and cut and pasted it for the world to see, I read this: (I bolded for emphasis)
Copyright © 2009 by the
This content is owned by the AAFP. A person viewing it online may make one printout of the material and may use that printout only for his or her personal, non-commercial reference. This material may not otherwise be downloaded, copied, printed, stored, transmitted or reproduced in any medium, whether now known or later invented, except as authorized in writing by the AAFP. Contact fpmserv@aafp.org for copyright questions and/or permission requests.
How's that for wordage? and how much do you imagine they paid a law firm for that line?
But since they won't share, I can't, either.
Bah humbug.
PS.
Does this count as filtering what I write?
Tuesday, November 10, 2009
Terriffic Tuesday
The selling bank accepted the lower price!
YIPPEEE!!
Now they're just hammering out the details about the termites
But the re-inspection revealed a new/not on the last inspection issue that needs to be fixed before it passes inspection. *sigh*
And Larry says I need a better filter on what comes out of my head and through the keyboard. So.. I won't call the home appraiser names. At least not in cyberspace. Does that count for a filter??
So.. best case scenario- we have the house late next week.
Worst case- one thing pops up after another so we're closing on it the week before Christmas.
But come H*ll or highwater, this house will be ours.
God told me, afterall.
He just forgot to add some of these nerve wracking details.
But then again.. He doesn't seem real keen in revealing details.. like..say.. when the Israelites were wandering in the desert. Sure.. He promised them they were headed for the promised land. He just didn't mention how long it was going to take or where it was.
Note to self- Remember to thank God that it isn't taking us 40 years to close on this house.
Or that we're 100 years old and having the baby promised some 70 years ago...
Yep. Much better off than that. Much.
YIPPEEE!!
Now they're just hammering out the details about the termites
But the re-inspection revealed a new/not on the last inspection issue that needs to be fixed before it passes inspection. *sigh*
And Larry says I need a better filter on what comes out of my head and through the keyboard. So.. I won't call the home appraiser names. At least not in cyberspace. Does that count for a filter??
So.. best case scenario- we have the house late next week.
Worst case- one thing pops up after another so we're closing on it the week before Christmas.
But come H*ll or highwater, this house will be ours.
God told me, afterall.
He just forgot to add some of these nerve wracking details.
But then again.. He doesn't seem real keen in revealing details.. like..say.. when the Israelites were wandering in the desert. Sure.. He promised them they were headed for the promised land. He just didn't mention how long it was going to take or where it was.
Note to self- Remember to thank God that it isn't taking us 40 years to close on this house.
Or that we're 100 years old and having the baby promised some 70 years ago...
Yep. Much better off than that. Much.
Monday, November 9, 2009
Monday Monday
First of all...
Mom- We're fine. No matter what impression I give you on this blog. We are in fact fine. If you were here you wouldn't notice anything other than the usual madness.
So..
That said...
Still no word on the house's price adjustment proposal.
The re-inspection should be tomorrow.
Tomorrow I plan on going to Sea World. Larry has the day off for the Marine Corps birthday, so we're going to take advantage of our 4 free tickets a year and head down there.
At least that's the current plan. Subject to change, especially since I haven't told the kids that's the plan. If the kids don't know then they can't get upset if we don't go.
The kids and I went to the Wild Animal Park Sunday after church. I was thinking 'hey, we'll be half way there from church' so we went. Larry had AirSoft plans.
Ladies, if you husband doesn't play Airsoft, please do not introduce it to him. It's like grown ups playing GI-Joe. Without paint guns. They have these pellet things they shoot at each other.In a Hollywood-like city setup.
Larry's friend bought him a gun so now Larry plans on playing once a month.
He could have worse hobbies, I guess. Gambling, beer and women, for example.
But I was not going to be sitting home while he was out having fun. And we have Zoo passes this year, lol. We'll be going alot. And I thought to myself "hmm, maybe if I drag them up and down the hills at the animal park they'll be tired and sleepy at bedtime"
No. Someone needs to be there reminding me everytime I have that thought that "no, YOU will be tired, the kids will be whiny and complain about being tired until the moment you announce it's time to get into pajamas. At that point they will no longer be tired and want to be awake for the next 4 hours." Which would not be different from normal. The difference is my degree of fatigue.
I have pictures and I have to move them from camera card to computer, and that isn't going to happen today.
Unfortunately I no longer have a camera and card that I can just pop the little disk-y thing into my computer. I have to use the old camera and disk which I need the special adapter which is usually lost and takes forever..
I asked Santa for a new camera card and/or camera for Christmas.
He told me to research it and buy one for myself.
It's just not the same as when I was 6 years old.
But at least I'll get exactly what I want (or think I want, lol).
Mom- We're fine. No matter what impression I give you on this blog. We are in fact fine. If you were here you wouldn't notice anything other than the usual madness.
So..
That said...
Still no word on the house's price adjustment proposal.
The re-inspection should be tomorrow.
Tomorrow I plan on going to Sea World. Larry has the day off for the Marine Corps birthday, so we're going to take advantage of our 4 free tickets a year and head down there.
At least that's the current plan. Subject to change, especially since I haven't told the kids that's the plan. If the kids don't know then they can't get upset if we don't go.
The kids and I went to the Wild Animal Park Sunday after church. I was thinking 'hey, we'll be half way there from church' so we went. Larry had AirSoft plans.
Ladies, if you husband doesn't play Airsoft, please do not introduce it to him. It's like grown ups playing GI-Joe. Without paint guns. They have these pellet things they shoot at each other.In a Hollywood-like city setup.
Larry's friend bought him a gun so now Larry plans on playing once a month.
He could have worse hobbies, I guess. Gambling, beer and women, for example.
But I was not going to be sitting home while he was out having fun. And we have Zoo passes this year, lol. We'll be going alot. And I thought to myself "hmm, maybe if I drag them up and down the hills at the animal park they'll be tired and sleepy at bedtime"
No. Someone needs to be there reminding me everytime I have that thought that "no, YOU will be tired, the kids will be whiny and complain about being tired until the moment you announce it's time to get into pajamas. At that point they will no longer be tired and want to be awake for the next 4 hours." Which would not be different from normal. The difference is my degree of fatigue.
I have pictures and I have to move them from camera card to computer, and that isn't going to happen today.
Unfortunately I no longer have a camera and card that I can just pop the little disk-y thing into my computer. I have to use the old camera and disk which I need the special adapter which is usually lost and takes forever..
I asked Santa for a new camera card and/or camera for Christmas.
He told me to research it and buy one for myself.
It's just not the same as when I was 6 years old.
But at least I'll get exactly what I want (or think I want, lol).
Friday, November 6, 2009
So.. As I was saying..
I thought we had all the loan stuff approved and taken care of and it has been certainly a nightmare submitting everything at least twice since it seems to get lost...
Today...
I get a call
I need to provide a document showing how much I pay for childcare. How does one do that exactly? I stay home with the kids. Do I need to contact every daycare and babysitter in town and get a letter stating that I do not pay them? This is getting ridiculous. I'll just write a letter saying that I stay home with them- like women used to do as the norm - why is this something that needs to be documented?!!?!!!
In addition to re-submitting Larry's work address. Apparently BAS, Headquarters Battalion, 1st Mar Div, Camp Pendleton 92055 isn't acceptable.
And he needs a letter that he's employed from his commanding officer. And how long he's going to be employed. Again.
We've already gotten a trillion papers saying we've been approved under 45 XYZ conditions and none of those conditions included anything above
In addition to this, it turns out the Rug Dr machine I was using wasn't actually working so after 30 minutes on call with their 1-800 call center in India, Twice, in which after sitting through recorded instructions of how to actually use the machine, followed by the Indian on the other line talking you through how to use it, then when you finally get to the point where the machine should work, but doesn't.. they say to keep trying it and call back if it doesn't work and they'll call the place I rented it from to issue me a new machine. Call them back. Repeat. Sarcasm doesn't translate well.
$%&&^@#^%$#%$&^#!!!!!!!
I was so aggravated that this took up at least 6 hrs of my life.
Today...
I get a call
I need to provide a document showing how much I pay for childcare. How does one do that exactly? I stay home with the kids. Do I need to contact every daycare and babysitter in town and get a letter stating that I do not pay them? This is getting ridiculous. I'll just write a letter saying that I stay home with them- like women used to do as the norm - why is this something that needs to be documented?!!?!!!
In addition to re-submitting Larry's work address. Apparently BAS, Headquarters Battalion, 1st Mar Div, Camp Pendleton 92055 isn't acceptable.
And he needs a letter that he's employed from his commanding officer. And how long he's going to be employed. Again.
We've already gotten a trillion papers saying we've been approved under 45 XYZ conditions and none of those conditions included anything above
In addition to this, it turns out the Rug Dr machine I was using wasn't actually working so after 30 minutes on call with their 1-800 call center in India, Twice, in which after sitting through recorded instructions of how to actually use the machine, followed by the Indian on the other line talking you through how to use it, then when you finally get to the point where the machine should work, but doesn't.. they say to keep trying it and call back if it doesn't work and they'll call the place I rented it from to issue me a new machine. Call them back. Repeat. Sarcasm doesn't translate well.
$%&&^@#^%$#%$&^#!!!!!!!
I was so aggravated that this took up at least 6 hrs of my life.
I brought the machine back to the store and told them to keep the replacement. I don't have time for this nonsense. The carpets will just have to be clean enough as they are. The deadline was today. They'd been vacuumed and spot cleaned and you could spray (or, rather, in my case- dumped buckets of the cleaner/water mix) and then the machine would scrub and suck it up.. which is what I ended up doing. Because the spray thing on the machine did nothing. Except when on the phone with the Lady in India, when she has you pull the hose out on upholstery setting it sprays water everywhere. Plug it back in and switch it to carpet. Nada. Zip. Siltzch. Nothing.
Just another beautiful day in paradise
Randomness
The house is now nearly 100% complete on the projects we had to fix before we could have it re-inspect to close.
We should hopefully hear soon if they are willing to accept the (lower) assessed value as the sale price
Larry tells me today that Fridays are his least busy days at work.. because no one wants to be sick for the weekend.
Now in the civilian world- when you "don't want to be sick for the weekend" you call on friday or an apt that day because
a. you've been putting up with something all week that you're sure will get worse that weekend and want to pre-empt that
or
b. you feel something coming on and want drugs to prevent it.
In the Military..
If you don't want to be sick for the weekend, you stay as far from the Dr as possible. Because if he agrees that you are sick, he can write 24-72 hours of sick leave which confines you to rest in your dorm room. And if you're a young marine, spending the weekend in your dorm room would be torture.
viva la difference, right?
Well..
it's off to finish the carpet cleaning project and get the cleaner returned by noon, meet Larry with his lunch (because he's not busy today), and then a million other random things including schooling the kids some.
We should hopefully hear soon if they are willing to accept the (lower) assessed value as the sale price
Larry tells me today that Fridays are his least busy days at work.. because no one wants to be sick for the weekend.
Now in the civilian world- when you "don't want to be sick for the weekend" you call on friday or an apt that day because
a. you've been putting up with something all week that you're sure will get worse that weekend and want to pre-empt that
or
b. you feel something coming on and want drugs to prevent it.
In the Military..
If you don't want to be sick for the weekend, you stay as far from the Dr as possible. Because if he agrees that you are sick, he can write 24-72 hours of sick leave which confines you to rest in your dorm room. And if you're a young marine, spending the weekend in your dorm room would be torture.
viva la difference, right?
Well..
it's off to finish the carpet cleaning project and get the cleaner returned by noon, meet Larry with his lunch (because he's not busy today), and then a million other random things including schooling the kids some.
Wednesday, November 4, 2009
So.. NOW...
After calling to get homeowners insurance lined up for the theoretical "our house"...
They have to send THAT to underwriting because it's within 300 feet of a "red zone" for wild fires.
Are you #$%#$^&$#% kidding me??
MORE UNDERWRITING???
Sheesh.. at this rate I'm starting to think God himself has an underwriting department and that I'll be sent there for at least a week when I die.
I feel like I'm on one of those amusement rides that just will.not.end. Every time I turn a corner, there is something else to put me in a spin.
In other news. I hereby fire my neurologist. I really hope that one day he gets health "care" from one who pays as much attention to his patients complaints as well as he does. If you are in the Oceanside area and want to see someone for a neurological complaint who tells you at least 2x in the 3 minutes (max) that he's in the rooms with you that he is an expert.. then let me know and I'll send you his name. Otherwise... if you want someone who hears why you're there without rolling their eyes at you and sighing.. I'll let ya know when I find that person.
I'm sure with everything else going on right now isn't helping me emotionally deal with him, but I was ready to fire him back in May. It just took me until today to be irritated enough to do something about it.
Today I'm in a mood that I might officially fire their school too.. I hope I don't have to deal with them today...
They have to send THAT to underwriting because it's within 300 feet of a "red zone" for wild fires.
Are you #$%#$^&$#% kidding me??
MORE UNDERWRITING???
Sheesh.. at this rate I'm starting to think God himself has an underwriting department and that I'll be sent there for at least a week when I die.
I feel like I'm on one of those amusement rides that just will.not.end. Every time I turn a corner, there is something else to put me in a spin.
In other news. I hereby fire my neurologist. I really hope that one day he gets health "care" from one who pays as much attention to his patients complaints as well as he does. If you are in the Oceanside area and want to see someone for a neurological complaint who tells you at least 2x in the 3 minutes (max) that he's in the rooms with you that he is an expert.. then let me know and I'll send you his name. Otherwise... if you want someone who hears why you're there without rolling their eyes at you and sighing.. I'll let ya know when I find that person.
I'm sure with everything else going on right now isn't helping me emotionally deal with him, but I was ready to fire him back in May. It just took me until today to be irritated enough to do something about it.
Today I'm in a mood that I might officially fire their school too.. I hope I don't have to deal with them today...
Tuesday, November 3, 2009
It has been a challenging few days on the housing front
We had the appraisal. Appraisals are done by the bank to make sure that their money they're lending is backed by something of that value.
And while 5 of the 6 comparison properties were valued at $80K more than our house when you adjusted for everything (bedrooms, neighborhood, etc in the way real estate people do, in reality 2 were sold for $100K more) there was 1 house $15K less than ours and as I understood it was a completely trashed foreclosure. And while "our house" is far from immaculate and in reality needs quite a bit of work, it in no way qualifies as completely trashed. We'd been in some houses I was wretching in the moment I walked through the door.
But somehow the appraiser decided that the lowest house was the value she was going to give our house so our official appraised value is now less than our offer price. Which is insane.
And she must have been drunk when she inspected it because she saw mold that in reality was dirt, a hole that didn't exist and couldn't figure out how to operate the ceiling fans or gas cooktop so she said none of them worked.
Oh, yeah.. the carpet that we're going to tear up... She says it has to be cleaned.
And that's just what was left after the rest of her nonsense was "expunged" from her report.
So..It hasn't been a great few days here.
I guess on the positive note-there is a possibility that the bank will sell it to us for $15 less than we offered. On the not-so-positive note, we have alot of work to do on a house that isn't ours just so it can be ours because it's a bank-owed-as-is property and they will not be doing any of the work that the drunk appraiser said needed to be done. And we still have to deal with her because she is the only one that can sign off that the work has been done to her approval.
On the other positive note. We have been fully approved by the mortgage company and could theoretically close tomorrow if there weren't all these work requirements that needed to be done.
Joy.
ETA:
I need more Maalox.
We weren't yet approved.
Someone lost our entire escrow package.
Everyone involved is getting cranky with each other
There are at least 9 people involved in this right now and none of us know what the other is doing, the least "in the know" is Larry and I.
And Larry is at the not-ours-yet-house fixing holes in the drywall, re-porcelain-ing a sink (I'm probably making that word up since spell check is freaking out on it) and we don't own the place yet.
And while 5 of the 6 comparison properties were valued at $80K more than our house when you adjusted for everything (bedrooms, neighborhood, etc in the way real estate people do, in reality 2 were sold for $100K more) there was 1 house $15K less than ours and as I understood it was a completely trashed foreclosure. And while "our house" is far from immaculate and in reality needs quite a bit of work, it in no way qualifies as completely trashed. We'd been in some houses I was wretching in the moment I walked through the door.
But somehow the appraiser decided that the lowest house was the value she was going to give our house so our official appraised value is now less than our offer price. Which is insane.
And she must have been drunk when she inspected it because she saw mold that in reality was dirt, a hole that didn't exist and couldn't figure out how to operate the ceiling fans or gas cooktop so she said none of them worked.
Oh, yeah.. the carpet that we're going to tear up... She says it has to be cleaned.
And that's just what was left after the rest of her nonsense was "expunged" from her report.
So..It hasn't been a great few days here.
I guess on the positive note-there is a possibility that the bank will sell it to us for $15 less than we offered. On the not-so-positive note, we have alot of work to do on a house that isn't ours just so it can be ours because it's a bank-owed-as-is property and they will not be doing any of the work that the drunk appraiser said needed to be done. And we still have to deal with her because she is the only one that can sign off that the work has been done to her approval.
On the other positive note. We have been fully approved by the mortgage company and could theoretically close tomorrow if there weren't all these work requirements that needed to be done.
Joy.
ETA:
I need more Maalox.
We weren't yet approved.
Someone lost our entire escrow package.
Everyone involved is getting cranky with each other
There are at least 9 people involved in this right now and none of us know what the other is doing, the least "in the know" is Larry and I.
And Larry is at the not-ours-yet-house fixing holes in the drywall, re-porcelain-ing a sink (I'm probably making that word up since spell check is freaking out on it) and we don't own the place yet.
Sunday, November 1, 2009
Pictures
We had 2 Cinderella's, a purple dragon and Batman living here last night.
This AM we have kids smacking their lips about eating pounds of candy later today.
PS. no, we did not have a single lion this year.
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