Buying a house is a TOTAL pain in the ass.
We purchased a home from a builder so we didn’t have to deal with individual contractors. This is the way to go if you want to build a house and don’t want to deal with the minutiae of every detail involved in the construction process.
We signed our contract and paid our earnest on July 31st. We broke ground and had a slab in less than a month and then four days later the frame was completed. Then, our closing date was pushed up from the 30th of November to the 25th! However, that soon changed BACK to the 30th. MAYBE. We aren’t finished packing yet and our newest closing date is still up in the air.
Right now it is 1:30am on Monday, November 30th. We are either closing on the house in 12 hours or we aren’t. Unfortch we won’t know until the USDA decides this morning or whenever they get off their fat slow-moving government asses and do their jobs.
Seriously, federal government, you knew about this tax credit deadline (which has been extended just FYI) and yet you didn’t staff accordingly to ensure that loans were still handled in a timely manner? Or does the fucking federal government (I can feel their satellites shifting to target my apartment – HAHA suckers I have the blinds closed!) always take their sweet time and don’t give a shit about the people that are receiving the loan?
I’m sorry, FED, but when it’s all said and done my husband and I will have paid you A LOT of money. We are your customers. We are not being treated right. And the bank who we are getting the loan through has provided us with the worst loan officer in the history of home ownership. He was even recommended by the builder! Believe you me, once all of this is completed and we have signed our names forty gazillion times and our furniture is all moved in and the house is OURS we will be writing some letters. Things have not been handled professionally. We have received emails from our loan officer that are downright embarrassing. As in, I can’t believe he is actually saying things like, “we’ve been victimized” and calling it “drama.” OMFG are you serious? Someone get this guy a TEMPLATE! Do NOT under ANY circumstances let him free-write an email EVER again! In his attempts to empathize he came across as unprofessional and immature and we have little confidence in him. I’m not going to enjoy meeting him later today if we do in fact get to close on the house today.
Sometimes I feel like we’ll never be home owners. That the house will just sit there, beautiful and unoccupied. We’ll visit every Saturday like always, taking off our shoes as we walk into the foyer, opening and closing doors, flipping light switches, laying on the soft carpet. It’s OURS but it isn’t.
The cliche so close yet so far has never been more appropriate.
God, what a pain in the ass! I am sort of glad that we didn't do the USDA loan route. We thought about it, we even applied for one a few years back but our debt-to-income ratio was too high back then. We paid some stuff off and we were going to try for a USDA loan this time but we thought, what the heck, let's try for a bank loan- since we had some money for a down- and it went quick, smooth, and flawless. Reading all you're going through, I am super glad we didn't do the USDA loan! Our loan officer at the bank was so awesome, she called me and let me know where things stood almost every day while we were waiting.
Anyway, I'm sorry you've uh, been vicitimized in the drama. LOL! That is actually funny. You'll look back on it and laugh one day- when you're finally in your house! Poor guy, how did he get that job?!
How did this idiot get a job?