Archive for the ‘ Home ’ Category

Just found out we were approved for a mortgage through Bank of America!!! Now I am just waiting to hear back from a couple more places, and I am sure that if BofA approved us, we wont have a problem elsewhere, so I can afford to shop for the best rate now.

Bleh, another Monday morning. Hopefully something good will come out of today though. I am waiting on word from two lenders about the mortgage. I just want to get this part done already, so I can focus on things towards the actual move. I have been very reluctant to do anything, in the slight chance that we might not get this house. Once I know that I have a loan, it’s all downhill from there. And on the plus side, bell satanik (verizon), has ended the strike 99%. Of course the slackers out in front of my offices are still striking. I guess this is because their regional hq is around the corner.

Went out to see the house today, itz looking great! After taking some picz and looking around inside, we went over to the sales office to take care of some paperwork. Much to our surprise, the paperwork was so change who we were getting our loan through, so that the builder would still pay $5000 at closing! Apparently, since we were turned down by their “preferred” lender, we still qualify for it. This is a huge weight lifted off of us, as we have the money, just would much rather spend it on other stuff once we move in.

After we were done there, I drove us over to Great Falls, Va. I have never actually been into the park in all the time I’ve lived in Va. It was great! We hiked for a couple hours, and climbed around like dumb asses on the rocks. I think I will buy an annual national park pass once we move, cuz we’re only about 15 minutes from there, and of course we’ll be closer to the Shenandoah Mountains, which are always fun to visit. Check out Steph’s journal for picz from both.

Well,.. another day, another dollar. Woke up very tired this morning, more so than usual. This 4 hourz sleep per night shit, has got to stop. I guess I’m getting old hehe

I have a long day of work, and talking to loan officers all day. It’s barrells of fun. They call Steph first, and she just goes “ummm, you should talk to Dan”. and gives em my number. They all seem fairly nice though, so I don’t mind terribly. Just want the money!

Tonight is the BT show! I am pretty stoked about it. If ya dunno who BT is, I’d suggest checkin him out. He 0wnz j00!!!

I have been calling, and calling, and calling, this mortgage guy for the past three weeks or so, since we met with him. First he told us that we lacked credit references, and that they were trying to work around the normal requirements, but he didn’t think we would have any problems. He asked us to write a couple of letters showing our ability to save cash, and why we have a lack of credit.

So we did, faxed em to him over two weeks ago. Waited a few days, called him, no answer,… left message. Next day, called him, no answer,… left message. A few days later, Called him, said he was out of the office for a few days, and that the underwriter was not in today, but he would have him/her look over our case tomorrow. Wait a couple days, call him again, no answer,.. left message. Call again the next day, he says he’s been busy working on another case that is closing in ten days, so he has not been able to take care of ours. This is semi-understandable, considering that our house wont be finished till November.

So another few days go by, and I call him today. He says, sorry, the underwriter has been out the past couple days, and I know I have been putting off your case, so I will go talk to him/her now, and I’ll call you back. At this point, I’m expecting to not hear back from him as usual, and figured, I’d call him back tomorrow to pester him some more.

I get a call about an hour later from him, saying that the underwriter spoke with thier most lenient lender, and that they would not approve us, due to the same reasons that he told us they were working around. He basicly tells me we need to establish more credit, and maintain it for a year, then they will approve us.

At this point I am completely pissed off, since he was leading me to believe that we would be approved, and would not find out otherwise, so that we could make other arangements. Now not only have we signed the contract on the house already, and it is being built to our specs, but we will also have to pay an additional $5000 at closing since they are the “prefered” lender for our builder, and have some sort of deal.

Basicly, we have about 2 weeks to find someone that will give us a loan, and come up with an extra 5k.

Who turned the stress switch back on?