for real this time

tomorrow is the day...really!

t minus 1

completed updated title today, unaltered form 9, real estate cert signed, funder assigned (to coordinate all of the bids, repairs, draws, etc once my file is closed), and lastly, prelim numbers forwarded to the title company.

Closing should be good to go tomorrow morning. I told Reynold I'll have my phone on my tonight and tomorrow and he can call whenever. I requested time off on Friday and a couple hours tomorrow for closing.

update: 7:30pm All cleared to close for first thing tomorrow morning!

closingggggg

Went to Lowes during lunch to look at laminate again. Will go again today and maybe to HD also- I was told the brand I picked out got bad reviews so I need to go look again. I may have to spend a little more than I expected, but the life of the flooring is like 30 years so really long term its not a big deal.

Got some closing number estimates from Reynold- now I have an idea how much I need to bring to closing and he said we will close probably tomorrow afternoon, but wait until I hear from him.

Packed up the kitchen most of the way, the boxes are all over my apartment. Got my bed set in the mail- if I go out towards the house today i will drop it off and maybe some mirrors or small things. Still need to pack the bathroom, but there isn't very much to do there. Gotta hang all the (clean clothes) so they are easy to travel.

We was looking to buy some art, but it got to expensive. Looking to buy a couch still and a vanity. Oy ve- one thing at a time. ^_^

laminate

I went to 2 places a seriously looked at flooring. I also went to Home Depot and kind of putzed around a bit. Maybe I will try to hit Lowes today? I don't know but I need to get my flooring and get it sitting in the house a few days in advance if I am going to be able to put it down next weekend like I would like. Ahhhh, difficulties. Its such a large purchase and it will last such a hard time, its not very easy to make a quick decision.

Packed up 80% of my kitchen. Moved one mirror and a piece of my fan to the new house.

7-28 or 7-29: ninjas not well known for their accuracy

Closing will take a few extra days- getting through Audit and Underwriting. Closing scheduled for 7-28 or 7-29. Need to start packing. Also my good faith estimate is off, which is not good. And it was sent to me last minute yesterday so I had to return to the office to fax it, that was not very pleasant. Sent it to me at 5pm and they needed it back by 6pm.

mortgage ninja- tentative closing 7/26

The Health Department promised and delivered! Reynold called today and spoke to a supervisor and it was promised we would have our permit before 6:00pm today. We received it at 4:30pm today! My file is being forwarded to processing and underwriting immediately. Reynold is a mortgage ninja!

What does this mean?:

10% chance I close Friday
85% chance I close Monday
5% chance I close Tuesday (If something were to go wrong)

We are hoping to Friday and I am planning on Monday. I have the fam coming up next weekend to help with painting and flooring etc.

update: 9pm- I got my good faith estimate in the mail today!

July abides.

Health Dept stated that the soil sample is not in yet and it's completion time is end of business today or tomorrow before noon. He also said an inspector will go out to the property between Wed and Fri and that the permit could be provided, at the earliest, by Friday. (Neither of these things are what they said last week- they said both would be done today, Tuesday).

Wells Fargo replied that for them to run the file through Audit, even as a Rush, could take 24 to 48 hours. Realistically, if the permit comes in on Friday, Wells could possibly close Monday - Tuesday.

This still puts us at or ahead of my last expectation so that's fine by me as long as it continues moving. Reynold is doing some pushing on the county by asking to speak to supervisors and filing everything top priority. Hope to be moving into my new home by the end of the month.

accoutrements

bought a new bedset

buying a bookshelf

bought a table and chairs

Also returned that rug that my interior decorator told me to. ^_^

closing tentative 2 weeks

Septic permit filed Tuesday morning with utmost priority. The county ordered a soil inspection, which takes 2 business days (Tuesday morning). An inspector will then go out Tuesday after the soil business and validate the permit. If all goes well with the inspections, we should have the permit back Thursday or Friday next week. Then 2 days for the HUD and 2 days for closing. That puts us at closing Thu the 29th.

The Never Ending Story

Once you open the book, there is no turning back; because you have to know what happens in the end; because you need to know how deep the rabbit hole goes; and because its a nice story anyway. So, just keep plugging through. The story without an ending may eventually come to a reasonable stopping point.

The septic company called yesterday to ask for money for the permit. I'll be mailing that out today. He said he thought it would take 3-5 business days, which would be nicer than 5-10. He said the latest would be Tuesday. I also asked him if he could try to put a rush on the county on getting it done.

Update 7/13- Also, once we get the septic permit (I didn't get the check out today... tomorrows the day! (its not holding anything up though)) it will be 10- 48 hours until we get the HUD waiver. Woot! That's not bad at all.

RRRRRRRRRRRRRRRRRR

The Seller requested an update committment letter defining what I have left to complete- this includes verbal verification of employment, the hud waiver, the executed contract and the sign off.

Reynold spoke to the HUD today and got some info; they need 2 things : 1. The appraisal needs to be updated and state that "no sewage is available in this area" and then 2. I need a letter from the County of Hillsborough stating that the work can be completed on under 1/2 an acre lot.

1. is completed. Number 2- The county said that no letter will be provided without a permit application for repair of the septic. So, our next action item is to submit an application for the permit and then they will take 5 to 10 business days for inspectors to visit the site and then complete the permit.

This is rather upsetting. This means in 5-10 business days (you know that means 10 business days) the HUD will finally have what they need and return my paper. But who knows how long that will take them. That puts me at the 26th right now. Then 2 weeks of reno and thats puts me way into August, which means I'm paying rent again at this stupid apartment. I am pissed.

Another really annoying thing is that HUD waited 4 weeks to tell us that they needed before they could provide the wavier. And why didn't we just apply for the permit sooner? We know we are going to need it- so why not just get it? Instead now I have to wait another 2 weeks after waiting 4 weeks of me literally needing to do nothing. There's not a single thing I can do to speed up this process.