Missy Posted January 26, 2007 Report Share Posted January 26, 2007 :grumble: :grumble: :grumble: :grumble: :grumble: :grumble: :grumble: :grumble: :grumble: :grumble: Quote Link to comment Share on other sites More sharing options...
JackFetch Posted January 26, 2007 Report Share Posted January 26, 2007 There is one word to describe how confused I am about your post. Huh? Quote Link to comment Share on other sites More sharing options...
Missy Posted January 26, 2007 Author Report Share Posted January 26, 2007 Forgot to add these: :fight: :fight: :fight: :fight: :fight: :fight: :fight: :fight: :fight: :fight: Quote Link to comment Share on other sites More sharing options...
TheRetreater Posted January 26, 2007 Report Share Posted January 26, 2007 that good, eh? Quote Link to comment Share on other sites More sharing options...
J Marv Posted January 26, 2007 Report Share Posted January 26, 2007 There are no words to express how angry I am. Did someone like, lose half your stuff during your move? Quote Link to comment Share on other sites More sharing options...
Missy Posted January 26, 2007 Author Report Share Posted January 26, 2007 There are no words to express how angry I am. Did someone like, lose half your stuff during your move? Heh. Not quite. Quote Link to comment Share on other sites More sharing options...
Dread Posted January 26, 2007 Report Share Posted January 26, 2007 There are no words to express how angry I am. Did someone like, lose half your stuff during your move? Heh. Not quite. All your stuff? Did the mortgage fall through? Fuck, I hope not. All my best whatever happened. Quote Link to comment Share on other sites More sharing options...
Missy Posted January 26, 2007 Author Report Share Posted January 26, 2007 Basically, someone at the lending company didn't do their job properly, and we're paying the price. With only 18 hours before closing, we were told the closing would have to be delayed until Tuesday due to whatever lame excuse the mortgage lender gave Jenny. Even worse, if the closing should get delayed again (which is a very real possibility), we won't be able to close until the following Monday because our lawyer will be out of town until then. Honestly, now that I've had time to sleep on it, I feel worse for the couple we're buying the condo from. They were set to close on the place they were buying after they finished with us today. Since we're not closing today, they might not be able to close on their new place because they needed the funds from the sale to facilitate the buy. Due to this, they're talking about taking legal action against our mortgage lender, because they're losing money even as I type this and they could potentially lose the place they were attempting to buy. It's a crappy situation no matter how you slice it. Quote Link to comment Share on other sites More sharing options...
Dread Posted January 26, 2007 Report Share Posted January 26, 2007 Basically, someone at the lending company didn't do their job properly, and we're paying the price. With only 18 hours before closing, we were told the closing would have to be delayed until Tuesday due to whatever lame excuse the mortgage lender gave Jenny. Even worse, if the closing should get delayed again (which is a very real possibility), we won't be able to close until the following Monday because our lawyer will be out of town until then. Honestly, now that I've had time to sleep on it, I feel worse for the couple we're buying the condo from. They were set to close on the place they were buying after they finished with us today. Since we're not closing today, they might not be able to close on their new place because they needed the funds from the sale to facilitate the buy. Due to this, they're talking about taking legal action against our mortgage lender, because they're losing money even as I type this and they could potentially lose the place they were attempting to buy. It's a crappy situation no matter how you slice it. Fuck! All is not lost. Fucking money people piss me off so much. Our mortgage was okay but I've experienced so much bullshit with lenders not coming through it's ridiculous. My recent saga is that the payroll dumbass at the local head office only sent Megan's substitute teacher hours through to EI. So when they were approving her maternity leave they only saw something like 75 hours of work as opposed to the 600 hours needed over the past year. So we are a single income family for the next few weeks until they get their asses in gear. This is the same woman who paid me for full-time work when I was teaching summer school although I was only on a 0.4 contract. No pay stubs were mailed to me because postal systemes were off during the summer so I had to pay over 2000 bucks on my first 3 paychecks in the fall. :grumble: Anyway, look at it as a break in between packing an moving....picnic in between the cardboard towers of your living room and you'll look back at it when you're in the new home and shake your heads. As far as legal action: be careful who you piss off. They do hold your mortgage. Quote Link to comment Share on other sites More sharing options...
James D. Posted January 26, 2007 Report Share Posted January 26, 2007 Mike, are you going to have to pay more money for this? (I know next to nothing about mortgages and buying houses, so I'm completely in the dark here.) Quote Link to comment Share on other sites More sharing options...
Missy Posted January 26, 2007 Author Report Share Posted January 26, 2007 Mike, are you going to have to pay more money for this? (I know next to nothing about mortgages and buying houses, so I'm completely in the dark here.) Not as far as I know. When I said, "... and we're paying the price," I meant in terms of lost time, anger, frustration and all that. Sorry 'bout any confusion. Quote Link to comment Share on other sites More sharing options...
Missy Posted January 30, 2007 Author Report Share Posted January 30, 2007 Wish us luck. We're set to close in a little over one hour. Quote Link to comment Share on other sites More sharing options...
drqshadow Posted January 30, 2007 Report Share Posted January 30, 2007 Since I'm probably the only one on the boards at this hour, good luck Yoda! Quote Link to comment Share on other sites More sharing options...
TheRetreater Posted January 30, 2007 Report Share Posted January 30, 2007 I guess this would be right about that expected time. And since you shouldn't be on the boards right now, I'll send my well-wishes out into the spaces of the universe. Quote Link to comment Share on other sites More sharing options...
Dread Posted January 30, 2007 Report Share Posted January 30, 2007 Ditto. Well wishes all around! Quote Link to comment Share on other sites More sharing options...
Chops Posted January 30, 2007 Report Share Posted January 30, 2007 I hope all went as planned. Quote Link to comment Share on other sites More sharing options...
Missy Posted January 30, 2007 Author Report Share Posted January 30, 2007 It's ours! Now all we need to do is clean, clean, clean! (Well, and then move our stuff.) But there was a snag: the mortgage lender forgot to add our down payment into the final numbers. How the bloody fucking hell does a bank forget to ask for a down payment? Hell, we told them several times there would be a down payment, yet they still forgot. So, because of that, our monthly fee is a little higher than expected. I hate this bank! :grumble: Quote Link to comment Share on other sites More sharing options...
Dread Posted January 30, 2007 Report Share Posted January 30, 2007 It's ours! Now all we need to do is clean, clean, clean! (Well, and then move our stuff.) But there was a snag: the mortgage lender forgot to add our down payment into the final numbers. How the bloody fucking hell does a bank forget to ask for a down payment? Hell, we told them several times there would be a down payment, yet they still forgot. So, because of that, our monthly fee is a little higher than expected. I hate this bank! :grumble: They can't change that when it's their fault? Fuck. Your bank sucks! Bankers are bottom feeders. Chastising and punishing you for mistakes whether it was you who made them or not. More importantly: Congratulations!!! Quote Link to comment Share on other sites More sharing options...
Missy Posted January 30, 2007 Author Report Share Posted January 30, 2007 Jen left a message with the bank a little while ago. Hopefully they'll get back to us soon. My hope is that they'll offer us a refinancing for free; that would allow us to give them the down payment and possibly receive a lower rate. (Our rate is fine, 6.something, but a lower one would be a nice gesture.) Quote Link to comment Share on other sites More sharing options...
Chops Posted January 30, 2007 Report Share Posted January 30, 2007 Man, what a shitty bank. Quote Link to comment Share on other sites More sharing options...
ragernok2002 Posted January 30, 2007 Report Share Posted January 30, 2007 I had none of those problems when I was getting my house, that bank sounds really shit, but congratulations anyway Quote Link to comment Share on other sites More sharing options...
Kscriv Posted January 31, 2007 Report Share Posted January 31, 2007 Congrats on the new house, now when's the housewarming party? Quote Link to comment Share on other sites More sharing options...
James D. Posted January 31, 2007 Report Share Posted January 31, 2007 Great, great news, Mike. I hope everything settles nicely for you and Jen over the next few days. Quote Link to comment Share on other sites More sharing options...
Missy Posted January 31, 2007 Author Report Share Posted January 31, 2007 Thanks for the kind words, everyone. It means a lot. Quote Link to comment Share on other sites More sharing options...
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