Today things will either go smoothly with the revised appraisal and my loan will be squared away–or I can finally yell at someone on the phone the way I’ve always wanted to. I really don’t know which scenario to expect. I didn’t expect any of the loan drama over the last month, so maybe I’d better expect the worst. Should I even expect….the Spanish Inquisition?!
all lenders are the devil
As it turns out, I am not closing today. Or Monday. I’m “probably closing next week.” (The appraisal, which came back MONDAY, did not have enough comparables to satisfy the mortgage insurance company, a fact which the loan officer didn’t notice until YESTERDAY.) I know I shouldn’t be surprised by more drama and misinformation and mendacity* with this house purchase, but, like Charlie Brown, I keep expecting it to be different.
On the bright side, it was supposed to snow this weekend anyway and now I have some more time to pack. With the delay, I may even have a real mailbox installed and waiting! Stay tuned!
*My gay best friend and I are having a good time quoting Tennessee Williams lines about “mendacity” to each other: “Mendacity is the system that we live in!” “What’s that smell? Didn’t you notice a powerful and obnoxious odor of mendacity in this room?” It’s a good time.
If you follow my Twitter stream you will know that there was more lender drama yesterday, which made me nearly inarticulate with fury (all-caps shouting of “FOR THE LOVE OF GOD” was about all I could manage). But I went to see the house last night and if I can ever get in, I will like living there.
Did I mention I have a basement? That comes already insulated?
And that I think I picked the best beige carpeting option from the six other beiges offered?
And that I have a place for a washer and a dryer? I think I will weep with joy when I do a load of laundry in my own house for the first time.
Until then, I just hope I don’t weep.