That basically sums up my thoughts on this whole housing process. We really thought when our offer was accepted so quickly that it was going to be smooth sailing from there.
Wrong.
We really should've known.
Our bank has been completely ridiculous about the amount of paperwork they wanted from us (and hey, even Travis' dad, who's like the head of the division, thinks they're being totally unreasonable), which slowed us way down. We originally were going to close over the Thanksgiving break, but had to move it back. We were expecting then to close the week after we got back into town.
Sure.
The appraisal, which was done on December 2, came back low. Like, $15,000 low. Which meant we had to talk the seller down in price, come up with 15 grand, or walk away. Not cool. We thought the seller was going to flat-out walk away from us at one point, because he was not happy about the appraised value. Which is understandable, I suppose, but it doesn't change anything. Just deal with it and move on, man.
After several days, though, we were able to come to an agreement. We're buying the house for $2,500 more than the appraised value, which means we have to come up with that cash, since the bank won't cover it. But it's worth it. This house is gorgeous, and the only reason it's anywhere near that price in the first place is because we're in a recession. So we're not worried about it.
But that meant more paperwork. And more questions. And going back and forth with the seller's agent who, quite frankly, is a real pain. They are not quick to respond, which is crazy because they've been the ones pushing for a fast close from day one.
At this point, we're basically just waiting for the seller to turn on the water to the house so the final inspection can be done, and then we should (maybe? hopefully?) be able to close next week. But to be honest, I don't like the fact that we're waiting on the seller now...he's been extremely not helpful through this whole process. I'm hoping we'll hear something tomorrow.
According to our contract, we have until December 30 to close, but everyone involved wants to just get this done. If the seller will just do his one little job, we should be fine.
And hey, what a Christmas present, eh?
My parents are coming out for the holidays too, which means we have built-in moving help! Yay for that! =]
Honestly though, one of my biggest problems with this wait (besides that it's just plain annoying) is the fact that it's delaying my getting my Christmas cards out. *major pout*
I know that may not make sense, so I have to admit something. I sooo wanted to be on the ball this year with my Christmas cards, so I wrote out our little newsletter before we left for Iowa in November (and printed all like 80 copies). Knowing that the cards weren't actually going out until December, and knowing (or so I thought) that we would close on the house while we were in Iowa, I wrote the letter as if we'd already moved in.
Big mistake.
Now I've had my cards completely ready (signed, addressed, stamped) for two weeks, and I feel like I can't send them out! I was so determined to get our Christmas cards out early this year, and now I feel like I may not get them out at all. I'm seriously depressed about it.
I'm hoping that we can close on, say, Monday, and I can drop the cards in the mailbox immediately after. *sigh* That's what I get for trying to plan ahead. Word of advice: never plan ahead when buying a house is involved. Unless, you know, you're buying it with cash.
We're supposedly at the end of the road here, but you know what they say,
"It ain't over till it's over."
Wish us luck!
