it's not going to happen. I am so over BB&T (Branch Banking and Trust) and my loan officer and her team at this point. I was supposed to close at 1130 this morning. It's 1134 and I'm sitting at work, no word from the loan officer but I emailed the attorney and they are telling me they haven't received the loan instructions. Really?!? I'm not surprised, this is the same person who last week didn't realize (although she should have) who I had re-selected as closing attorney. Yesterday I was told that she was sending information to the wrong person at BB&T...and she'd had to resend to the paralegal. That would lead me to believe that she sent the package over to them. I gotta stop using common sense logic and get on their level. So I have no idea when closing will be...but at this point it's whatever. I don't even care anymore.
And as I type this I just received information that the loan was finally approved. I just don't get it...why wasn't this done last week? It's not like she didn't have all the information necessary to send to the underwriter. I was led to believe that everything had been approved.
I don't drink but I need a good stiff one right now...I am too through with this whole process.
Tuesday, January 15, 2013
Friday, January 11, 2013
Closing...tentatively Jan 15
Is scheduled for Tuesday, Jan 15...
You'd think at this point I'd have no worries and all would be well...
My final appraisal was ordered and completed Mon/Tuesday. Pre-Settlement walkthrough was Tuesday at 9am. Got an email from my 'realtor' (yeah, I am so putting him on blast when I get a chance) who I haven't heard a peep from since mid July telling me that my attorney (shouldn't have provided his information to them) has not received the closing pkg from the bank. My LO said yesterday she hoped final approval would be completed...yesterday. It wasn't. Emailed her this morning and asked...what's the status, is there any other information you need? She emails me back that the underwriter needs additional bank info. So...you couldn't have sent this to me earlier...like last week sometime? Nah, that would have been too easy. I sent the information and not 20 min later get a call. It's goes something like this:
LO: Hi Courtney, it's ____!
Me: Hi *blank stare*
LO: We have a problem
Me: Ok *blank stare* *knot forms in throat*
LO: I have the RH attorney down for you...we can't use them
Me: *thinking to my self - seriously...wth* I know...you told me the week before Christmas that I would have to chose another attorney...I did. I'm using _____.
LO: Oh...I wonder if they've done the title search...
Me: *sigh...thinking why the heck did I chose this bank* Yeah, the week of Christmas I was told they would start the title search
LO: Oh, good. I still had the RH attorney down
ME: *thinking to my self...good grief...I emailed you the name of the atty I selected and you said you'd reach out to them* I have been in contact with ____ at _____
LO: OK, I'll reach out to her.
Seriously...seriously....SERIOUSLY!!!!! I know she received my emails because she responded to them. So 2 business days before possible closing and this is what you got for me? I was supposed to receive an email from my LO once the underwriter had confirmed the pkg was sent. Guess what...no email. Surprised...yeah, I'm not. So I emailed my attorney/paralegal to see if they received the pkg. I need to know Monday what amount to bring to settlement and right now I have no idea.
Oh and if closing doesn't take place on the 15th, the info I sent expires. Yay me! *Sarcasm* so I have to go through all this again.
My attorney's office is open tomorrow til 1130...so I am hoping the paralegal responds that they received the pkg. If not, we'll try it again. This will not get me down, I won't allow it....but I just hate to go through the motion of rescheduling everything (movers, utlities, days off work...ugh!)
You'd think at this point I'd have no worries and all would be well...
My final appraisal was ordered and completed Mon/Tuesday. Pre-Settlement walkthrough was Tuesday at 9am. Got an email from my 'realtor' (yeah, I am so putting him on blast when I get a chance) who I haven't heard a peep from since mid July telling me that my attorney (shouldn't have provided his information to them) has not received the closing pkg from the bank. My LO said yesterday she hoped final approval would be completed...yesterday. It wasn't. Emailed her this morning and asked...what's the status, is there any other information you need? She emails me back that the underwriter needs additional bank info. So...you couldn't have sent this to me earlier...like last week sometime? Nah, that would have been too easy. I sent the information and not 20 min later get a call. It's goes something like this:
LO: Hi Courtney, it's ____!
Me: Hi *blank stare*
LO: We have a problem
Me: Ok *blank stare* *knot forms in throat*
LO: I have the RH attorney down for you...we can't use them
Me: *thinking to my self - seriously...wth* I know...you told me the week before Christmas that I would have to chose another attorney...I did. I'm using _____.
LO: Oh...I wonder if they've done the title search...
Me: *sigh...thinking why the heck did I chose this bank* Yeah, the week of Christmas I was told they would start the title search
LO: Oh, good. I still had the RH attorney down
ME: *thinking to my self...good grief...I emailed you the name of the atty I selected and you said you'd reach out to them* I have been in contact with ____ at _____
LO: OK, I'll reach out to her.
Seriously...seriously....SERIOUSLY!!!!! I know she received my emails because she responded to them. So 2 business days before possible closing and this is what you got for me? I was supposed to receive an email from my LO once the underwriter had confirmed the pkg was sent. Guess what...no email. Surprised...yeah, I'm not. So I emailed my attorney/paralegal to see if they received the pkg. I need to know Monday what amount to bring to settlement and right now I have no idea.
Oh and if closing doesn't take place on the 15th, the info I sent expires. Yay me! *Sarcasm* so I have to go through all this again.
My attorney's office is open tomorrow til 1130...so I am hoping the paralegal responds that they received the pkg. If not, we'll try it again. This will not get me down, I won't allow it....but I just hate to go through the motion of rescheduling everything (movers, utlities, days off work...ugh!)
Saturday, December 22, 2012
Pics...
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| Sod is done, gutters up, privacy fence added |
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| We all have green doors...I have to follow up with the PM about this...each door should be different. I really think maybe the guys screwed this up |
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| My hardwoods!! I was so excited to see them along with the cabinets. |
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| Dining area/hardwoods. |
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| Looking down the foyer...I really like the hardwoods. |
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| Kitchen...stove has not been added yet...and I really though it would be as it was part of a package. Hopefully there's no screwup there. |
Wednesday, December 19, 2012
Interesting updates...
I received an email from my loan officer today advising me of a couple of things:
1). RH confirmed the townhouse will be ready for closing on January 15, 2013
2). Final appraisal can be done once construction and lanscaping are complete. That's an addt'l $75-$100 added to my GFE (good faith estimate).
3). I can now lock my rate as I am 28 days away from closing. I can email my LO daily after 930 am EST to inquire about rates
4). Unfortunately, the bank is making me choose another settlement attorney. I was going to use the atty that RH/NVR uses because I more than likely would have been able to get my keys the same day as closing. Guess that's not happening...so back to finding someone suitable.
So, I guess I need to start packing and arranging movers, huh? Perhaps that can wait til after the holiday.
1). RH confirmed the townhouse will be ready for closing on January 15, 2013
2). Final appraisal can be done once construction and lanscaping are complete. That's an addt'l $75-$100 added to my GFE (good faith estimate).
3). I can now lock my rate as I am 28 days away from closing. I can email my LO daily after 930 am EST to inquire about rates
4). Unfortunately, the bank is making me choose another settlement attorney. I was going to use the atty that RH/NVR uses because I more than likely would have been able to get my keys the same day as closing. Guess that's not happening...so back to finding someone suitable.
So, I guess I need to start packing and arranging movers, huh? Perhaps that can wait til after the holiday.
Saturday, December 15, 2012
More updates...
Went by today on a whim. Ran into my new neighbor who I am guessing has not been stalking her home like I have mine, lol. Doors are officially locked :( but I'm gonna see if I can get in tomorrow and take some pics. Ran in the the PM this afternoon as well...flooring/trim etc is in but final paint, landscaping, utility hook up etc will occur next week. Pre-settlement walkthrough is Jan 10 (let's see if this holds true)...he mentioned a letter...but I haven't (nor my neighbor) received anything, maybe it'll come this week. Closing is now Jan 17 I believe - at least that's what the SR told my loan officer when she contacted me about locking in a rate (which I hopefully can do next week).
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| View from the window (so not used to not seeing everything up close and personal). |
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| View from my car of my building/unit. |
Saturday, December 8, 2012
Progress Pics...
Stopped by this morning on the way to the gym and discovered a few surprises. I am still going back by tomorrow, lol, because it's just habit and it's quiet.
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| Garage door installed...looks like they are ready to pour my drive and "walkway" and I'm guessing that ditch is for water? Maybe? |
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| Opened the drawer...well, because I'm nosy and this was there |
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| Granite countertops - Santa Cecilia |
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| More Granite countertops - Santa Cecilia |
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| And again... Granite countertops - Santa Cecilia |
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| I can't remember if this is with or without the flash...but look at the difference btwn this pic and the next |
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| I think this is with the flash maybe...idk...but such a difference in how it looks |
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| well, hello there |
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| Paint on my cabinets... :( |
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| I didn't notice this til I was out of my kitchen area...yay! goodies! |
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| And more goodies...the microwave |
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| Yes...I took the cover off the |
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| Well, well, well...what do we have here? Is this the trash can...I think not. |
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| And more trash... |
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| I had to remove the cover and take a pic of the sink...so pretty and shiny :) |
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| closet in the foyer...I assume this is where my breaker box will be. Looks like the shelving is up in all the closets...as you'll notice in the other pics :) |
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| Half bath...not much to show...we have a towel rack and a toilet paper holder |
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| Yes...another closet with a shelf...just a warning there are probably 3 or 4 more pics just like this :) |
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| I never noticed these stuck on the window... |
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| Railing is up and ready for stain |
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| Sample of the flooring upstairs, it actually looks better in person than I remember |
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| You'll notice a theme here...I opted for the silverish/nickle look...but I should have gone with bronze. It's fine, b/c I can change it out a little at a time. I'm happy with this |
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| Fire alarm...maybe? |
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| 2nd bath..flooring installed |
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| 2nd room closet, it's so roomy...a little high though. I was looking at closet units from IKEA...at some point I will invest in that option |
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| Upstairs programmable thermostat..in the 2nd room...not the master or the hallway which is weird. It's in a room that I will probably never go in |
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| Yes...another closet. I think there's one more pic of a closet. |
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| Ahhh, the last closet pic |
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| Master bath lighting... |
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| Master bath celing fan |
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| Coach lighting outside |
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| Dining area lighting |
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| Downstairs ceiling fan/light |
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| 1st floor thermostat |
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| Someone forgot their hat...must've forgot that along with the trash |
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| Window sills...all are installed but for some reason didn't notice until I walked back downstairs |
Sunday, December 2, 2012
Cabinets...
I am so glad my SR had me look at my cabinet choice again. The cabinets are in...I think I originally chose maple spice (the standard) but then changed to espresso. They look so good. Can't wait to see everything together (cabinets, granite, wood floor). Some of the drawers and doors weren't completely flush when they shut, so that's something that I'll have to bring up to my PM. My bathroom cabinets are standard maple spice...but even they look nice. Not sure how many of you visit Pinterest. But since I downloaded the app on my phone, I'm a bit of a junkie. Anyway, on pinterest I've found quite a few DIY projects that I can do one in particular is changing the color of those standard cabinets to match the kitchen cabinets.
Brick was done as well...it's so pretty.
And...I was --> ___ <-- close to diving in the dumpster to see if I could find anything that might be useful down the road. But nothing. They had the door knobs in my garage...I wished the box was open so I could maybe fiiiiiiind and extra set up keys to use once they lock everything.
Brick was done as well...it's so pretty.
And...I was --> ___ <-- close to diving in the dumpster to see if I could find anything that might be useful down the road. But nothing. They had the door knobs in my garage...I wished the box was open so I could maybe fiiiiiiind and extra set up keys to use once they lock everything.
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| My microwave is vented outside, wasn't sure how that whole set up was going to look but it's ok. |
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| Playing around with the panoramic feature on my new phone...this is the best I could do :) |
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