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.
Tuesday, November 10, 2009
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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