Tuesday, June 29, 2010

Done

I'm done. I've had it. A family can only take so much stress before it begins to destroy them. I wish we had never looked into buying a house. It's been one disappointment after another, and I can't handle any more. Our closing was supposed to be tomorrow. We were having the carpets cleaned today and having our final walk-through. The utilities are on, we are packed, and everything is in boxes. We have to be out of our current house by July 5--and we were lucky to get those 5 days. Aidan is set to begin Pre-K by our new subdivision, and we have friends helping us move.

We began looking at houses in March. After searching for a few weeks, we found a house we thought was perfect, and we made an offer on the house in late March. We had our pre-approval, and our closing was set for May 24. The seller accepted our offer, so we had to wait for BOA to approve it since it's a short sale. According to new laws, they had to give us an answer within 10 days. 10 days came and went, and still no response. Finally, at the end of April, BOA gave us the approval. We began finalizing the details for the loan, and that's when we realized Chris' credit score had dropped 130 pts. Now, he has zero debt and had not taken out any new cards or loans. That's when we realized that our loan officer's advice had destroyed Chris' credit. Somehow, against all odds, we finally got a loan approval. Unfortunately, we couldn't get verification of credentials quickly, so we kept being told that closing was 2 weeks away. Finally, we got a closing date of June 30 last week. I couldn't get excited--I had been disappointed too many times. Last Friday, things fell apart again. BOA was trying to add another $8000 to the loan because we hadn't closed by June 22! Umm....we TRIED to, but kept getting told we had to wait for approvals. The bank backed down and kept the loan amount they had originally agreed to. Chris and I were prepared to walk, but luckily, things fell back into place.

My house is now 90% packed. Our kids have picked out paint. We are ready to move. Today, though, the unthinkable happened. Chris got a call from our realtor explaining that the seller doesn't have the right to sell the house. The deed to the house is in a trust, and no one can figure out who has the right to sell. So now, we are back at square one. My nerves are fried. I am in tears. I am beyond done. So, we don't know what's going to happen. We need major prayers.

1 comment:

  1. I am so sorry! What a mess! Sounds like BOA was trying to take advantage of your tax credit. I will be praying for you!

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