October 13, 2009

Love doesn't build houses and apparently neither does money

Yes, I know it seems odd that this whole moving thing is taking forever. Well, have you tried to get a mortgage loan lately? It is absolutely insane!!!

It's at the point where, they are asking for letters from our family members to verify who lives where and for how long. They want to know why my driver's license and paycheck stubs show the house address in California and not another address. I had to write a letter today explaining why I knocked 50 bucks off the rent for my renters (because they had to pick up my dog's poop and mow the lawn themselves!). We were supposed to close escrow September 28th. Then, it was supposed to be October 5th. Then the 9th. And now, it's supposed to be tomorrow...October 14th.

This is a mess. The moving truck is here with no where to go. I was supposed to have the moving blankets back to U-haul last Saturday - apparently giving myself 22 days to rent them, finish escrow and move in was not sufficient. The underwriter seems to think that we are lying about having a brokerage account because every other day we have to print them a statement to verify where our funds are coming from. We even had to go back to March and April and explain why we transferred money from savings to checking. Our own money! THEN, Vito had to ask his work for pay stubs from March thru May so they could verify the deposits against our statements (his company doesn't have direct deposit...in 2009.) They didn't believe they were all his checks because every so often the amount deposited would be 100 dollars less. So it's apparently borderline criminal to have 100 dollars cash in your wallet. Especially if you think that 7 months from now you may want to apply for a home loan. No, I am not joking. We started this whole process March 13th.

I was supposed to start working again today, but my report never came. We thought a week off would be enough to get settled. It seems as if every day around here is April Fool's Day...because the joke is on us. I swear to you that it seems like we are trying to close on a house that costs $2 million dollars!!!

The worst part of all of this? I can't go to SITScation now. Nice huh? I've had this planned for how many months? Bought my ticket, got my room, gave up on Botox. And now, if the loan closes this week, I will be moving over the weekend. Which is also my anniversary. You've got to be fucking kidding me.

If we ever meet and your job is as an Underwriter for a lender, I would highly suggest not telling me. If you are a loan officer or even a file clerk for a lender, I probably wouldn't even mention that.

Plus, I'm having to bounce in between all the in-laws houses. Nico has no schedule what-so-ever, in regards to anything. All he does is whine morning, noon and night. My husband is just permanently pissed about all of this and I think that I am a living zombie because there is no sleeping around here anywhere!

Ahhhh, I'm so excited to have moved. So, that's why there has been little to none of me. There is nothing funny, silly, happy or exciting to talk or write about. I'm just a huge ball of pissed off-ness. And it sucks.

Please feel free to send my sympathy cards and condolence gifts to my new address at:

The Black SUV
CA license plates
The Streets of Austin, TX


Please, no fresh fruit baskets though. My center console only has enough room for half a tray of ice and a 6 pack.




11 comments:

M.J. said...

What a pain! I hope the process gets better/easier for you soon. If not, at least you have a SUV and not a two-door sports car. That would be uncomfortable.

Brittany said...

You poor thing! I hope everything works out! I'll just send some limes for the corona! :)

kristi said...

OMG...what a nightmare.

S.E. Sward said...

That is fucking awful! You are holding up remarkably well under the circumstances. I might be considering climbing a clock tower and taking potshots at banks if I were in your shoes. Seriously. Once again, banks are screwing the little guy over. They loaned money willy-nilly to people who were worse than 'bad' credit risks and they got burned. So now they are being super stringent about who they give money to, costing you not only money but valuable sanity points. And I'm so, so sorry that you won't be able to go to SITScation in Vegas! That is the pinnacle of uber-suckiness. Hope you can get a refund on your ticket and stuff!

Sending as much good karma and as many happy thoughts your way as possible ... {hugs}

Suzi said...

Did I ever tell you that I am an underwriter? Oh did I forget to mention that? Did I also mention that I am YOUR underwriter? Oooopps!

Kidding,hope it all works out soon! Fruit basket on the way. ;-)

Cheer up, someday you'll be able to laugh about this......20 years from now?

Becky said...

That sounds like a nightmare!

Oh gosh...I hope you wake up soon!

Julia said...

Well you could have swine flu and be flooded out of your home... Well the part about the swine flu is genuine. The water is just bubbling around the bottom of the house.

Really though, I hope the money people get their heads out of their ASSES and straighten out the mess... I'll send you some earplugs so you can get a nap in.

Shannon said...

Ugh! That sucks!! And just like being a bleery-eyed, sleepless new mom...this, too shall pass...

hotpants™ said...

I hear nightmare underwriting stories all the time because I work for a life insurance company. I feel for you and hate that you can't go to SITScation.

Connie Weiss said...

WOW! That sounds terrible. I've sworn to hubby that I will never go through the process of buying a house ever again. It was hard on me when we did it 6 years ago and that's when they were loaning money to anyone with a job.

I'm so bummed that we won't eat chips and salsa together in Vegas. :(

I hope everything is going well now and that you are getting moved in.

Tiffany said...

I am so sad we missed you.... Boo Hoo.

Maybe next year? I'll just hold your ticket....

T

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