Today we were supposed to go in and sign the papers to transfer the title to our names. Notice I said "supposed to".
Let me backtrack a little and explain a bit of what's been going on. Although we were going to get the paperwork done today, I had requested that the house not actually fund (payment go through) until Monday, the 15th. We have been renting the house since July 26th (and living in it since August 1st), and when we made our August 26th payment, the owner said they would not prorate the rent if we did not close by September 5th. That means that they want to keep over $600 in rent on a place that we OWN!
That is just NOT right. Truly, I consider it theft. I told them that since they refuse to prorate the rent, we will not sign the papers until Monday, as that is the (amended) date we agreed to close by. Every day that passes is another $35 we're paying them, so I wanted to wait until Monday to save me that $175! I told the title place this when I made the appointment yesterday.
We got a phone call this morning saying that the lenders said, "Not today," and to cancel our appointment.
Came to work, emailed the bank, got one response back saying (basically) "No idea!" and waited... At 11:30-ish I called my loan officer and found out that there were conflicting dates, but it's all been resolved, and we MUST close by tomorrow. Period.
OK, I can deal with that. I hate being stolen from, but we do what we must do! Called the Title company. The conversation went something like this:
Her: "It's pretty much crunch time... Could you possibly come in
before work tomorrow?"
Me: "YES! That is MUCH better for me! I can come in right after I drop the kids off at school."
Her: "Great! Tomorrow morning, then! Did (loan officer) tell you how much it would be? I hope you won't be too surprised..."
Me: *gulp* "No she didn't... how much?"
Her: (lists off number that must be paid tomorrow)
Me:
"That's significantly less than (loan officer) told me it would be..."
Her: "Isn't that good news? That's what the loan officer approved, so let's go with that!"
Oh my gosh! Some good news, finally!
You don't know (actually, you probably do) how much I needed some good news for a change! I can pay the bills (was afraid I wouldn't have enough to close if I paid them,) buy groceries, buy the supplies to weather-proof the house, fix the (donated to us) riding lawn mower so that we don't have to hurt ourselves whilst mowing...!!
There has been so much going on lately that I'm still having trouble depressurizing! It's slowly, slowly trickling away, like an overly-inflated balloon with a miniscule hole, but anything helps at this point!
It's been a long and anxiety-provoking journey, but we're almost at the finish line! Thank you for supporting me through this, whether by thoughts or by deed. Thank you.