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House Drama [Mar. 5th, 2010|01:51 am]
So, the short version:

We're not closing on the house tomorrow. We're closing next week.

So we're not moving this weekend, we're moving next weekend.

I'm dusty and worn-out, but things are back on track.

This morning I got a call from our realtor, telling me that she'd heard from the lender and we might not be able to close tomorrow. Insert freak-out here while I tried to call various people and find out what was going on and then had to wait for them to call me back. Not a pleasant morning.

The sitch, I find out, is thus: We're getting an FHA loan. There are a bunch of regulations that apply, many of them newly changed. FHA loans have to be approved by an underwriter, and the underwriter looked at the appraisal on the house and said "We can't approve that, there are drywall holes and visible wires." Those have to be fixed and we have to get a reappraisal before the loan can be approved.

My realtor and the lender have both been fairly intent on establishing whether somebody did something wrong, but I, frankly, do not care who, if anyone, is at fault. I just want the situation to be fixed in a way that results in us getting a house. (I'm also incapable of sustaining angry for very long, although I was quite angry for a while there until my loan officer talked to me.)

So we got an extension on the contract and the realtor got me access to the house and this afternoon I went over there and patched the damn holes myself, because that was the fastest and easiest way to deal with the problem.

The hole over the stove was small, but yeah, I could see the exposed wire they were talking about. Fine. The small hole in the basement is actually so you can get at a cutoff valve, but I'm not going to try and argue with some appraiser I've never met, so I patched it anyway. Whatever. We can take it out after the house is ours.

They didn't mention the big hole in the garage above the door into the house, but I patched that one too, just in case. Thomas came over and loaned me a ladder and helped with that one and kept me company, because he is awesome. And Neal & Rhonda are double-awesome for having lots and lots of tools and lending them to me.

Drywall, it turns out, is pretty easy to patch, especially if you use the little clips as recommended by the guy at Ace Hardware. And I remembered how to spackle, even though it's been 15 years since I did it last (at tep).

So it's done now, and I believe that this is just a hiccup in the process, albeit a nasty one, and not a disaster. I'm feeling a whole lot better about it all than I was this morning, despite the Mister Crankypants icon above. But hey, icon.

The new plan is to move *next* weekend, not this coming weekend, and to live around and out of boxes for a few days. And we will still ply everyone with pizza and lovely beverages to come and help us move things. And it will be good! Just a week later.

Of course, Robb & Greg are still coming back from Idaho with a truck full of stuff in a couple days. We may need some help dealing with that. I'll keep you posted...

[User Picture]From: melted_snowball
2010-03-05 09:05 am (UTC)
Buh buh, huh?

Do these people not read?

Ah, well. If you're no longer angry, I am not angry.

Confused by stupidity, but not angry.
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[User Picture]From: zalena
2010-03-05 01:52 pm (UTC)
But we LOVE the Mr. Crankypants icon.

I like it so much I'm in danger of making you cranky on purpose just to see it.
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[User Picture]From: dr_tectonic
2010-03-05 03:42 pm (UTC)
I know y'all do, which is why sometimes I use it even when I'm not nearly as crabblepuss at it would indicate. ;)
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[User Picture]From: da_lj
2010-03-05 05:02 pm (UTC)
Hehe. Not only are you handy at patching Gaping Drywall Holes of -9 Saving Throw on House Closing... you're also clever.
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[User Picture]From: annlarimer
2010-03-05 03:18 pm (UTC)
Last time we moved, the agent was in a car accident and took our house off the market for six weeks, without mentioning anything to us. "We're not getting any interest at all. We are so fucked."
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[User Picture]From: dr_tectonic
2010-03-05 03:43 pm (UTC)
Ahahahahahahaha! *eye-twitch*
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[User Picture]From: annlarimer
2010-03-05 03:45 pm (UTC)
The agent was my brother-in-law's mom. Apparently the trauma of the crash made her forget our phone number.
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[User Picture]From: thedragonweaver
2010-03-05 04:09 pm (UTC)
At least they'll accept you fixing the problems. Imagine the delays if you had to go through SOMEONE ELSE to fix them. Bleh.
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[User Picture]From: goobermunch
2010-03-06 05:43 pm (UTC)
Ah, but by fixing them yourself, you've also created the uber revenge if the closing cannot happen. It's called "the mechanics lien." You can lien the home for the value of the work you did, which makes it entirely unmarketable.


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[User Picture]From: goddessdster
2010-03-05 04:13 pm (UTC)
This just adds another nail on the "I really don't ever want to buy a house" coffin I've been carting around for many years.

Though...if I may...feel free to use that icon all you want. It's one of my faves.
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From: ajfbs
2010-03-05 04:57 pm (UTC)

"Ah, well. If you're no longer angry, I am not angry."

Well put.

After our various house adventures and a failed closing (do NOT get me started on TDBank) this stuff shouldn't surprise me anymore. And yet...

Fingers crossed that all goes well with closing 2.0.
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[User Picture]From: dcseain
2010-03-05 05:09 pm (UTC)
Ah, the joys of buying a home. May next week go smoothly.
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[User Picture]From: baronet
2010-03-05 05:16 pm (UTC)

Go You

Go you for grabbing the bull by the horns and fixing the damn problem!
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From: (Anonymous)
2010-03-05 05:43 pm (UTC)
Go go Gadget Dr. T! At least you've done everything possible to make it happen. The rest? Am sending good thoughts out that it proceeds smoothly.

If you need help sometime before next weekend, let me know.
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[User Picture]From: mahannie57
2010-03-05 05:44 pm (UTC)
That was me above, forgot to log in.. d'oh!

Anyway, offer of help still open!
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From: detailbear
2010-03-05 06:20 pm (UTC)

Since I currently have no voice...

*provides video of previous episode of running around with arms in the air screaming "Aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahhhhh" fetchingly*
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From: fufachew
2010-03-05 07:03 pm (UTC)
Try this mantra: "When the house is ours they will all go away, when the house is ours they will all go away, when the house is ours they will all go away."

"They", of course, being defined however you wish. :)
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From: jkusters
2010-03-05 07:08 pm (UTC)
Yeah, FHA loans are painfully screwy. We went through similar roller coasters with our recent house purchase. One day, it's all "it's doubtful you'll be able to get the loan" and the next it's all sunshine and roses. I'm glad you guys got it worked out.
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[User Picture]From: musikub
2010-03-05 08:04 pm (UTC)
This week/next week, as far as helping you guys that still pretty much works for me, as long as I don't have to work I don't have any problems helping you move the Things Which Are Not Huge. :)
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[User Picture]From: flwyd
2010-03-06 08:12 pm (UTC)
Our code review process requires an approval before you can commit. Reviewers can give comments and no approval, meaning you have to fix things and ask for approval again. Or they can give comments and approval, on the assumption that you'll fix the minor problems and not have to bother them again.

Holes in drywall seems like the second category.
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[User Picture]From: jforbess
2010-03-08 05:45 am (UTC)
I just think it's awesome that you could apply your handy Work Week knowledge. Teps are Tops!

How many times did you spackle the ceiling in 42? Practice makes perfect.
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