Thursday, July 8, 2010

Growing pains

I am officially a loan owner...yes I typed loan. Now come the growing pains of ownership. Closing papers were signed last Tuesday, and beginning with the closing, it has been truly and adventure. Not always a fun one, but an adventure nonetheless. After a number delays, changes on closing dates, and a whole lot of going back and forth in the bureaucratic mess that is getting a loan and buying a place, the closing date was finally set for last Wednesday the 30th of June. I was happy but very apprehensive, and I didn't even know why... now I understand. On Tuesday afternoon at 1:45 PM I received a phone call (more like three), from the lender, agent, and title company telling me we had to close that day (instead of Wednesday) before three o'clock. Mind you I was at work on the second busiest day of the month for us. I pleaded with the dean and left work like a bat out of hell to get a cashier's check and rush over to the title company, in one hour (supposedly my lunch). I got to the bank and their printers weren't working. I still made it with 20 mins. to spare. When I got there I was told there were two people ahead of me, and that the officer's printer had broken down and they couldn't print the necessary papers (I guess it was printer curse day) so I'd have to wait. Two hours. At least. No going back to work because I had to be there at the moment the guy came out, and I couldn't really come back from lunch and leave again. My office mate would've had a field trip with that one. So I called everyone, the lender, the agent, even the title officer himself on his cell phone and left a message (he wouldn't answer) telling him he was unprofessional, "this is terrible, I am going file a formal complaint...!" which of course I knew would do nothing. Not one minute after I hung up the phone, the title officer came in, introduced himself to everyone waiting, and called my name (the two people who were there ahead of me had been there over an hour, so they definitely weren't happy when he called me first). By luck of the draw he had printed my papers first, it was totally painless and all done in 30 mins. I was so happy I even apologized to the title officer and told him to just erase my message without listening.  YAY! it's FINALLY over! or so we thought. After an inspection, and having been here several times looking over the place, Rose Mary and I thought we had an idea of the amount of work the it needed. Some paint, change a couple of the light switches, get some light bulbs, blinds, closet doors, buy appliances, (yes the previous owners took everything, I'm surprised the water heater stayed), we're done, we'll be in in 5 days. Boy were we wrong....