House non-progress
May. 19th, 2010 10:59 am![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
davidnPersonally I think that we've been fairly efficient for first-time home buyers having to be guided through the process at every turn, but it's becoming increasingly clear to me that our mortgage handler is (as they say in America) a goddamn moron. We were introduced to her last month when she sent us a form to sign and a list of documents that we had to gather up and send her by the 19th of May, and from that point forward we fell into a now familiar cycle of sending her what she requests, whereupon she would immediately lose at least half of them and not ever get around to telling us that she was missing anything until we emailed asking for a status update. A few days ago marked the third time that we sent in our master insurance document - and this is all through email, so it's not as if they're getting lost in the post or anything - and we said that we hoped that this was really was the last document that she still thought was missing this time.
Yesterday - one day before the deadline for them giving us a letter of commitment which is the last piece we need to make sure the closing can go ahead - she emailed us to say that the master insurance was now out of date, and further that she had never received the purchase and sale agreement, the document that she would have needed to start this whole process off and that we sent her fully one month ago. I immediately wanted to tell her that it was pretty obvious by now that she couldn't be trusted with our loan and that we were going to use a different bank instead, but this late on in the process it would have just caused all sorts of problems. I instead forwarded her email to the bank manager to demonstrate her incompetence, and Whitney had to talk back and forth with our agent to get a new master insurance certificate, and to our lawyer to ask if we should prepare an offer of extension (or just go and drive a bus through their wall). Our lawyer started emailing the bank to get answers, which seemed to get their attention, and she's now going to sort things out whether they can give us a letter today or not. Now I know why the Americans need so many lawyers - they're needed to prod other people into doing their jobs.
I worked from home yesterday because of having to be online and available all the time to referee all this, but today I ventured out into the world again. It was raining, but I just had an inexplicable confident feeling that today was going to go smoothly, I would be picked up by a train immediately, and everything was going to be fine after all. I arrived at the station to find a traffic jam, a couple of large TV news vans, police, an army of fluorescent coats and several giant logging machines making an effort to cut up a fallen tree.
I found some anti-spasmodic pills next to the sink. I think I'm going to be needing those.
Yesterday - one day before the deadline for them giving us a letter of commitment which is the last piece we need to make sure the closing can go ahead - she emailed us to say that the master insurance was now out of date, and further that she had never received the purchase and sale agreement, the document that she would have needed to start this whole process off and that we sent her fully one month ago. I immediately wanted to tell her that it was pretty obvious by now that she couldn't be trusted with our loan and that we were going to use a different bank instead, but this late on in the process it would have just caused all sorts of problems. I instead forwarded her email to the bank manager to demonstrate her incompetence, and Whitney had to talk back and forth with our agent to get a new master insurance certificate, and to our lawyer to ask if we should prepare an offer of extension (or just go and drive a bus through their wall). Our lawyer started emailing the bank to get answers, which seemed to get their attention, and she's now going to sort things out whether they can give us a letter today or not. Now I know why the Americans need so many lawyers - they're needed to prod other people into doing their jobs.
I worked from home yesterday because of having to be online and available all the time to referee all this, but today I ventured out into the world again. It was raining, but I just had an inexplicable confident feeling that today was going to go smoothly, I would be picked up by a train immediately, and everything was going to be fine after all. I arrived at the station to find a traffic jam, a couple of large TV news vans, police, an army of fluorescent coats and several giant logging machines making an effort to cut up a fallen tree.
I found some anti-spasmodic pills next to the sink. I think I'm going to be needing those.
