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Stress: a short rant

SGB

Cyburbian
Messages
3,387
Points
25
1) We are supposed to close on a house in + 18 hours.

2) The banks close in 2.5 hours, and will not be open prior to the closing.

3) Our attorney has not completed our buyers' closing statement, because....

4) The sellers' attorney has not completed the sellers' statement.

5) I work 1.5 hours from where all this is not happening, so my wife is dealing with it all.

All I can say at this point is: !@#$%!
 

SlaveToTheGrind

Cyburbian
Messages
1,244
Points
23
And you need to know how much to bring to close. Happened to me last month. Found out two hours prior to close and was running all around getting cashiers checks. Glad that is over. Now I'm busting my butt to install the sprinkler system, curbing, sod...

My 100th post! Do I get an award?
 

donk

Cyburbian
Messages
6,970
Points
30
good luck with teh house

I know exactly how you feel, when I bought my house it had to be the longest 2 weeks of my life.
 

michaelskis

Cyburbian
Messages
19,467
Points
44
I feel for you. I have not gone though it before, but I still feel for you.

I am sure that everything will work out in the end.

1 1/2 from work??? You commuter.
 

Queen B

Cyburbian
Messages
3,179
Points
25
They do this to people all the time.

Purchasing a house is only glamourous in the movies.

Like other things , big beautiful weddings, having a baby, raising children, oh, a theme, life is not as it appears, chaos abounds!

It will be over soon,
Then you get to look forward to moving, another joyous event.

I hope your place is just wonderful, that makes it all worth it!
 

SGB

Cyburbian
Messages
3,387
Points
25
Update

I called our realtor 1/2 hour ago to lean on the sellers' realtor.

Must have worked - the closing numbers are done and my wife is off to the bank.

Thanks for all the good wishes.

Moving day is Monday, so in theory I've got this weekend to do any interior cosmetic renovations. Not many needed, just paint mostly.
 

nerudite

Cyburbian
Messages
6,544
Points
30
I just got financing yesterday (didn't even know if I could be approved in Canada at this point without permanent residency). Now I get to go look for houses this weekend. We have one in mind already, and I'm getting antsy waiting to see the inside of the house. I'm so excited though... because we are wasting almost $1100 a month in rent for a townhouse that isn't even remotely worth it. But I'm dreading the last minute runs to the bank and all that... ugh.

Good luck with your purchase!
 

Belle

Cyburbian
Messages
142
Points
6
Good luck with everything! :)

I trust we'll see pictures of everyone's new houses as time permits....?
 

Coragus

Cyburbian
Messages
1,296
Points
24
This house stuff is interesting. I must have been well looked after by the ministers of karma because we bought the third house we looked at and the owners accepted our first offer. It was much easier than that horror stories that some of my friends told.

As for pictures, it turns out that they're too big for me to attach. It's a yellow Victorian about 3/4 of a mile from my office.
 

SGB

Cyburbian
Messages
3,387
Points
25
Belle said:
I trust we'll see pictures of everyone's new houses as time permits....?
I'll post photo's sometime next week if all goes well.
 

Jeff

Cyburbian
Messages
4,161
Points
27
I had to pull a "we're not buying the house" at the settlement table, when the sellers realtor tried to pull some stuff. Wouldn't you knw, worked like a charm. Backing out of a house sale or the threat of it is a pretty effective tool.
 

Chet

Cyburbian Emeritus
Messages
10,624
Points
34
Good luck to everyone. I've been involved in 4 closings, and three looked like train wrecks until the final hours. Just stay cool, it will all work out! [sarcasm] Those people are highly trained professionals. [/sarcasm].

Related story: A good friend work in post closing for a national mortgage company. The girl in the cube next to him is responsible for calling buyers for additional cash when the closing statements are wrong. Talk about a fun job!
 

H

Cyburbian
Messages
2,850
Points
24
Chet said:
Just stay cool, it will all work out! [sarcasm] Those people are highly trained professionals. [/sarcasm].
You are right about the 0 training or education requirements needed to work in the insanely lucrative mortgage business, but for some reason things do generally work out. I worked in the field for 3 years after undergrad and never saw a loan not close. Go figure.
 

nerudite

Cyburbian
Messages
6,544
Points
30
The most stressful situations I have ever been in have been dealing with the closing of a real estate transaction. I remember a few weeks before closing when I was selling a house in WA State, a tree fell on my house. Trying to get insurance approvals, hiring contractors and getting everything done within a few weeks was just the worst. I think buying a house will be much easier in comparison.

Another bonus: it's wicked hot hear right now... like around 33C/94F. Almost nobody has air conditioners... so this is the prime time to see how cool houses stay on their own. Couldn't have picked a better time for house hunting.
 

Chet

Cyburbian Emeritus
Messages
10,624
Points
34
Two houses ago, as seller, we were closing on the morning of good friday. Waiting for the wire transfer of the buyuers funds. Waiting for the wire transfer of the buyuers funds. Waiting for the wire transfer of the buyuers funds. Waiting for the wire transfer of the buyuers funds. Waiting for the wire transfer of the buyuers funds. Waiting for the wire transfer of the buyuers funds. You get the picture. No funds by noon means take another 1/2 day off work Monday and resign everything all over again. 11:55am they showed up in the closing agents trust account.
 

plankton

Cyburbian
Messages
751
Points
21
We're scheduled to close on a home on August 26th.

A 1922 Craftsman (that's ancient for west coast standards) in an undisclosed location in the Pacific NW (10 minutes to work). We're very excited about the new crib but between the real estate agents, mortgage brokers, appraisers, and others, I'm a bit anxious. I'm about to call the local planner and start blaming things on him/her. he he
 

Chet

Cyburbian Emeritus
Messages
10,624
Points
34
Huston said:
what are you saying? that they spotted the funds?
The lender was from out of town, so the closing info / funding amount was faxed to then and they sent a wire transfer of funds directly to the title company (where the closing was) client trust account.
 

H

Cyburbian
Messages
2,850
Points
24
Chet said:
The lender was from out of town, so the closing info / funding amount was faxed to then and they sent a wire transfer of funds directly to the title company (where the closing was) client trust account.
Ahhh, so just in the neck of time.
 

SGB

Cyburbian
Messages
3,387
Points
25
Update #2

Yeah!!! We closed!

All went well at closing. Now, off to buy some interior paint.

At the final walk-through, we decided that the awful peach carpeting will serve us well enough as a drop cloth until we can get new carpets more to our liking.

:)
 

donk

Cyburbian
Messages
6,970
Points
30
SGB posted
we decided that the awful peach carpeting will serve us well enough as a drop cloth
That is what i said about the linoleum in the bedrooms of my house, that was 4 years ago.

But seriously congrats and may your house become a home.
 

Mud Princess

Cyburbian
Messages
4,896
Points
27
Congratulations, SGB!!!

Have fun painting. After nearly 3 years in this house, we finally agreed on a color for our bedroom walls, but I STILL haven't gotten around to doing it. :)
 

H

Cyburbian
Messages
2,850
Points
24
Re: Update #2

SGB said:
Yeah!!! We closed!

All went well at closing. Now, off to buy some interior paint.

At the final walk-through, we decided that the awful peach carpeting will serve us well enough as a drop cloth until we can get new carpets more to our liking.

:)
I am glad everything out for you.

congrats on the home. :)
 

biscuit

Cyburbian
Messages
3,904
Points
25
Congrats on the new home! :) Did you finish the painting over the weekend?
 

nerudite

Cyburbian
Messages
6,544
Points
30
Over a four-day weekend, we found a house and now are in escrow. It's an awesome house... very lucky find. I'll post pictures sometime today.

I'm already stressing out over stuff though... financing, appraisals, finding a lawyer, inspections... so much juggling. Ugh.
 

SGB

Cyburbian
Messages
3,387
Points
25
nerudite said:
Over a four-day weekend, we found a house and now are in escrow. It's an awesome house... very lucky find. I'll post pictures sometime today.

I'm already stressing out over stuff though... financing, appraisals, finding a lawyer, inspections... so much juggling. Ugh.
Congrats, Nerudite! Hey, if I can survive the home buying ordeal, anyone can! 20/20 hindsight hint at inspection time: if you're home is on a well, run the tap long enough to check for sulfur. :(

Anyone have any experiences with dry chlorine pellet systems?

Posted by Biscuit
Congrats on the new home! Did you finish the painting over the weekend?
Thanks. Yup, we had a group of 6 friends over on Saturday. We did three rooms in 3 hours, including preperation and clean-up!
 

nerudite

Cyburbian
Messages
6,544
Points
30
SGB said:
Congrats, Nerudite! Hey, if I can survive the home buying ordeal, anyone can! 20/20 hindsight hint at inspection time: if you're home is on a well, run the tap long enough to check for sulfur. :(
Thanks for the congrats! :)

The lot is smack dab in the middle of the City, so we don't have to worry about wells or septic (thank god... been there, hated it).

Here's a pic of the property (and no, it's not snowing here in August).

 

BiteMeElmo

Cyburbian
Messages
324
Points
11
yeah, now soon we can start painting, etc. Looks like nerudite's all ready too, what with her avatar of Michael Jackson in a tool belt (air sickness bag anyone?)

(sorry baby, couldn't resist)
 

Mud Princess

Cyburbian
Messages
4,896
Points
27
SGB said:
Yup, we had a group of 6 friends over on Saturday. We did three rooms in 3 hours, including preperation and clean-up!
I need to find friends like these. Send 'em over! :)
 
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