Posts Tagged ‘Mortgage’

Move quicker damn it!

Tuesday, February 25th, 2014

We’re still at the mercy of the bank.  We’ve had to add a second co-signer to the loan because the first one (while well qualified) pays rent so they then needed to re-crunch the numbers.  The issue now is the fact that they sent all of this to us on Monday 24th, which is the day when we’re supposed to be letting the current home owners know we’re “good to go” and they can work on getting their stuff out of the house so we can close on Friday. We, unfortunately, have not gotten the green light – all we got was an extra 60 pages of a contract that needed to be filled out and sent back ASAP – now we’re not going to know a damn thing until tomorrow afternoon.

It’s a 50/50 chance that we’ll be closing on Friday, but at this point I’m leaning more towards next week based on how royally we’ve been screwed this entire time. I, personally, could care less about how this is effecting the current home owners because they lied way too much for me TO CARE.  I got this sob story about how they’re going into assisted living, can’t afford their bills, yada yada. Meanwhile, they were just downsizing and moving to a different community.  Why lie? Why even concoct a story? You didn’t need to say a damn thing to us, you could have been honest and said that the house was just too big for you to handle. Why even come up with some bull shit to try to tug the heart strings? You’re not dealing with a native Delawarian.. you’re dealing with a New Yorker who couldn’t give two shits about you at the end of the day anyway!

So by tomorrow afternoon (fingers crossed) we’ll know our closing date. I’m still hoping it’s Friday just because I’m itching to get the hell in there and scrub the crap out of the place but who knows. Either way I have a stock of cleaning supplies already written down that I need to buy and bring over there. I just want start the cleaning process, have Comcast come in to wire the place and the rest is cake.

I haven’t even started packing, it’s not because I’ve been too lazy to get started it’s because the “Waiting Game” aspect of things has lead me to believe that this wasn’t actually going to happen for us. Is there a lot to pack? Sure. Is it something I could knock out in a few days? Yes. That’s the beauty part. When you own the home and you’re not leaving a “Rental” property – you’ve got a little time to get yourself in and settled. So by default the first task is to get the place cleaned up, while cleaning have anything installed by an outside company that needs to be installed (In our case it’s just Comcast).  Then we’ll be heading over to a few furniture places because the only pieces of furniture we currently own are a bed and two desks. Clearly in a 2900 sqft home we’re going to need a lot more.  So, first purchase will be a couch, and then I’m hitting up every Thrift Store I can find to get the rest of the house furnished. I will NEVER buy a ‘used’ sofa from anyone. You never know where the sofa really came from, and I don’t want the headache of scrubbing things down to the point I’m stripping the color off the fabric because it’s just not clean enough for me to have any piece of mind.  So the sofa will be brand new, where as anything wood based (dining room table/chairs, end tables, coffee table, dresser, nightstands, etc) will come from thrift shops and flea markets. Why? Cause I know I can easily scrub them down and I’ll probably wind up stripping the paint off and staining them anyway.

Do I have it all figured out? of course. Will things go any faster because I have them figured out? Of course not! Sean’s a complete impatient mess right now, but I know he just wants to get this whole process over and done with so we can focus on more important things. I typically will keep the frustration levels to myself, but that’s because I know when it comes to certain things I can handle stress better. I also know I can handle paperwork better, but when you’re exposed to that stuff it’s just something you get used to.

The only thing that I’m increasingly growing impatient about is the fact that Bella’s hair is way too long and she’s been panting like all holy hell because it’s always so damn warm in this house. I spend a lot of time in the bedroom with the window open and the overhead fan on but that doesn’t help her comfort levels. I want to know the exact monetary numbers we’re dealing with for the closing on this house so that I know if there’s an extra $100 in the budget for me to get her groomed just so that’s one less thing to stress about.

A big stress factor right now is work has really, really slowed down to the point that it’s scaring me. I’ve always got little things to do but there’s nothing to really solidly keep myself as busy as I’d prefer. The only benefit to this is it’s given me time to get a new template together for AGn Designs, to replace the “Temporary Site” that’s been sitting there for two years that I freaking hate. I still have like five or six pages to format though, so lord only knows when that will be completed.

Either way, my inbox is showing me that I have a few things to accomplish today so hopefully I’ll be able to get them knocked out and keep my mind off everything with the house.

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The waiting game…

Sunday, February 9th, 2014

We got all of our paperwork sent out, and surprisingly it showed up on their desks much earlier than we thought it would. The package was two day shipping, it made it there in less than 24 hours. Normally, I wouldn’t care too much but when you’re dealing with a company that doesn’t seem to know how to make a phone call… things tend to get lost.

What happens when you receive an email from someone for the first time and Google just doesn’t feel like cooperating? It goes to spam. So of course tonight I get a frantic phone call from my father (who’s co-signing the loan) wanting to know who this chick is and why does she need information (yada yada).  So while I was attempting to teach my 65-year old father how to forward an email (he works with his hands, old school – computers are a nuisance… I get it)…. Sean was able to find the email in his spam box and now we get to play the game of “UGHHHHHH Where the hell is this shit now” while locating the paperwork that was missing from the file. I still don’t quite understand how anything was ‘missing’ when none of these items were requested, but either way we’ll get it done. We need to pull w2’s out of our asses, we also need to have hand-written letters authorizing all kinds of crap. I already have a letter from my father given me the “OK” to sign his name on the paperwork, but now we need another letter so they can confirm deposits to his bank account. Since when is a paycheck a “questionable” transaction? I don’t understand these freaking people, and I’m getting so sick of jumping through hoops and repeating ourselves… I just want this freaking house already!

In the end, the efforts should be worth the reward. I just want this process to be over with. I can understand why more and more people are looking for apartments these days… not only can they be cheaper (depending on where you live), but with houses…. the paperwork alone will kill you.

On the work front, as usual things are picking up and I’m to a point in my ‘skillset’ where I’m burnt the fuck out and pissed off all at the same time. 80% of my work is done through a primary contract. With this contract I have a Non Disclosure Agreement (NDA), this means that all of the shit that I spend my time working on can’t even be made public to help my own portfolio. Sure, the contract can take all of the credit for the 200+ hours put in on a site, but I get no recognition.. half the time not even a thank you. I spend my days with correction emails because something is off by two pixels in a browser no one even fucking uses. Then… I get five minutes to myself to update my own portfolio and realize that I don’t HAVE a portfolio since everything I work on is something I’m not even allowed to talk about.  The client list could fucking WOW potential clients, but I’m stuck as a mute.

Do you have any idea how hard it is for me to keep my mouth shut about things? I’m a New York Italian for crying out loud!

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It’s been….rough…

Friday, November 22nd, 2013

First and foremost, I fucking hate HostGator and am currently looking for a new place to house my servers.  Upgrading to WordPress 3.7.1 almost completely had the servers shut down because of how often WP was being called on for updates.  Now, this was easily controlled with a wp-config update that marked all auto-updates to false.  I’m pissed because this is something that should have been built into WP directly with an “Enable/Disable” function but whatevs.  To tell me that two sites are using 80% of the server-load is bull shit considering there’s 30 CPU’s available to it.  So yea, they fucking suck.

In the “Home” front, we’ve been searching, searching, searching.  We’ve seen more than I can remember, and while some were doable, others were just “Uhm… wtf did we just walk into?”  We’ve narrowed down the area we want to live in, as well as the  basic requirements that need to be in the house before we even consider looking at it.

Right now it’s the matter of waiting on the broker to get all of the numbers crunched.  We have the pre-approval for $250,000.  He’s finalizing the paperwork so that it’s a pre-qualification.  This gives us the ability to look within the price range, and if we happen to find a house he’ll be fast-tracking the paperwork as much as he possibly can.  Since everything we’re looking at is either a stick built or a class-c there’s absolutely no reason for there to be any kind of issue popping up that’s completely illegal. We got screwed on the last house because the lender (not the broker) blacklisted the community, this is 100% not legal and I’ve already reported to the proper authorities but really don’t care enough to pursue more than that.  It’s cheaper, in the long run, for Sean and I to just buy a house on it’s own property and go from there.

We’ve found a house that we love, the listing price is $249,900.  Built in 1977, 3 bedroom, 2 bathroom, living room, dining room, kitchen, family room, floored attic, unfinished basement, decent sized yard, huge front porch and a nice cozy back deck, and since we’re in a beach town of course it comes with an outdoor shower. Is that a waste to me, yes, but it’s easy enough to remove if we so choose.

It’s a relatively lightly used house, even though it’s over 30 years old it was very well cared for and you can clearly tell just by looking at it.  I’ve never been in a cleaner basement in my life. Sean and I already know how we’re going to frame it out and set it up.  If we do it right, considering the massive size of the basement, I can easily turn the 3 bed 2 bath into a 5 bed 3 bath with an office.   That’s the ultimate goal over time.  The other goal would be to do some upgrades in the kitchen but that’s something that can come later on down the road.  For right now, since it’s just the two of us the kitchen shouldn’t be an issue – but in the long run when families start visiting… and one gets started… the increase is going to need to happen.

Maybe it’s an Italian thing, I don’t know, I just know that teaching someone to cook, or having a mini-assistant is important to me and that’s just the way it’s gonna go.

So we’re taking a second tour on Monday with Sean’s father so he can do a once-over of the house as he has more of a ‘contractors’ eye with things, hopefully putting in an offer the same day and then crossing our fingers and playing the waiting game.  Everything seems to be falling into place thus-far… hoping it runs the same way.

 

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Hopefully it goes a little smoother…

Wednesday, November 13th, 2013

Unfortunately the broker I was working with on the mortgage was let go from the company.  Last night I went ahead and sent an email over to his manager explaining my unhappiness with his company, thus-far, and requested to be provided with the information that I’ve been asking for, for quite some time now.  He very quickly responded to my email, which was pretty shocking to me considering I sent it to him about 10pm last night.  He told me that he would be in touch with me this afternoon and able to provide me with all of the information that I’m requesting after he’s had the chance to review our account.

He told me that based on Sean’s income alone, we would be able to borrow enough money to get the house in the price-range we’re looking for.  With the addition of his father as a co-signer, it would increase so we could look into homes on the higher end of our anticipated budget.  With this, the home search is back up and running.  There’s one that I’ve been interested in looking at, Sean and I did a drive-by of it previously but we really want to get in there and poke around. Honestly, as it stands right now I wouldn’t be surprised if we wound up putting in an offer on this house. We both just have a feeling about it, I almost instantly felt like I was ‘home’ as soon as I put my foot into the drive-way. Yes, it needs a lot of landscaping but that’s nothing we can’t handle. And from what I’ve seen on the pictures, the bulk of the inside of the house is purely cosmetic.

So I’ve got a call in to a realtor, my pre-approval in hand, and hopefully this process goes a hell of a lot smoother the second time around.

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Un-fucking-believable!

Wednesday, October 30th, 2013

So we’ve been at the mercy of the underwriters for the past week.  We’ve been too patiently waiting to find out what we need to get into this house.  We finally get a phone call from the broker today, he noted that he’s heard from the underwriter and that he’s got both good news and bad news.

The Good News:
We’re pretty much approved for whatever amount of money we need to get into a new home.

The Bad News:
They can not provide us with a loan for any property owned by the property management company.

The broker then went as far as saying “If you can find a house in another complex, I can fast-track everything for you”.

WHAT THE FUCK!?

Supposedly the lending company is currently involved in a lawsuit with the property management company.  The company (ELS) is located pretty much throughout the bulk of America, at least one property in every state from what I saw.  Something happened between 21st-Mortgage and ELS in reference to ELS’s definition of “Rent Justification” and the rest is history.  This happened in the state of California, and even though I believe the suit is actually over with, 21st will not lend out.  Of course they decided to tell us this after they ran Sean’s credit about 10 times.

If you know, damn well, that you’re company is to not have any dealings with another company – shouldn’t that fucking information be dealt with initially? Don’t get someone’s hopes up and then have everything fall through. Where do these people get the right issuing is with a pre-approval and then tell us that we’re fully-100% approved only to pull it off the table as soon as they FINALLY look at the address of the property that we’re taking?

Money and credit scores are 100% not the issue.  We were told that we can buy whatever house we want as long as it it has nothing to do with ELS.  This whole massive bump in the road is completely based on the banks lending policies and all of the lawsuit bull shit.

After this conversation, I started to think. The realtor noted that the previous couple looking to buy the home couldn’t get the financing in order. I’m wondering if they had the same fucking issue considering the realtor seems to recommend the same lending companies.  Then I wondered why so many houses down here are STILL on the market (any home having to do with ELS). Clearly there isn’t a lending company down here that wants anything to do with them, so why should I?

As much as I love this house, I’m starting to wonder if I should just let it go.  It’s going to cost us around $1200 a month just for the mortgage and communities fees, for $1200 a month I can find a house a little further north in Delaware that’s on its own property.  I’ve had a few homes saved on my trulia.com account for a while now, they aren’t selling – and they have some pretty decent features that make them worth-while.  One of which is a home that houses a gorgeous pool in a massive backyard.  The house is only $230,000, and when you factor in down payment and mortgage it works out to about $1300 a month.  The upside is we would own the property, have a pool to enjoy in the summer, and there’s 4 bedrooms and 2.5 baths to make sure I have room for everyone.

At this point we just need to figure out how to get out of the contract on this current house when clearly there’s no possible way (unless someone hands us cash for the full cost of the house) for us to even get into it.  I do believe the realtor knew that the lending company wasn’t going to work out and she failed to provide us with this information.  There’s also upcoming issues with the lease agreement with all of the ELS properties because of the recent bills going into law with rent justification.

I know things work out for a reason, and maybe this particular house was just too good to be true.  It’s upsetting to know that we’re more than likely going to lose this house, but hopefully that means it opens a new door (a better door).

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