shevar

Thanks again everybody! I went to the bank to get the cashier's check. I made it to the attorney's office at 9am. The closing attorney asked for my driver's license, we waited a few minutes for him to finish another closing, my RE and LO came in, the attorney came back in the office and asked do I want the long version or the short. Of course I wanted the short version. We started signing the docs. He asked for the check, I was short 8 cents (the amount was off because the Mortgage Insurance had to be in even dollar amount). I asked the attorney (friend) did I have to bring a check for 8 cents . He said no I can pay cash. Lmao, I didn't have any change, I had given all of my change to my daughter before I went to the attorney's office. My agent digged in her purse and gave it to me as we laughed. I may have signed 20-30 documents as we all laughed and talked; we all knew each other from when I did Real Estate. Laughed and my LO because I know he was finally glad it was over. Attorney then said thats all I have. You are now a home owner. He asked the agent for the keys. I laughed and said, "I got those yesterday" I was in my car at 9:30 and at my house at 9:35. I am so happy. I went to my new home. Had a friend who is a licensed plumber to light both hot water tanks, furnaces, and fireplace. Cleaned and admired my new home. I want to move today but it suppose sleet and rain here and I won't have anyone available to move me til tomorrow. I will start taking as much as I can though. Lynn.............Your turn......I have happy tears in my eyes as I think about the feeling you will have when it's officially all over. Good Luck to everyone who is in the process of buying a home. And, Congratulations to those of us who have completed the process!

If it wasn't going to rain and be cold here, I would to. I am so happy for you. I am on edge as well. Got the HUD 1.

I received a text with the $ amount needed tomorrow to close. LO asked did I want to bump the time back instead of 9:00 a.m. Heck nooo! I willl move it up, lol.... I went today to clean, water wasn't on, so I just swept and fantasized about furniture placement. Can't wait til tomorrow. I will tell you all my whole story in a nutshell after I'm done closing.

We closed! We closed on Wednesday and boy, that is another day that will go down in history for DH and I. We got the "final" call from our LO that he found another closing attorney on our side of town and to be there at 5:00pm. He then told DH the final numbers and told DH to get a cashier's check for $3,000. Everything was all fine and dandy, until a few minutes before closing and said he thought we'd paid 1 years worth of HO's insurance and we needed an extra $3000 for that and something else (still not sure what). Anyway, long story short, with the banks closed by this time we couldn't get another check and make it in time for closing. Because everyone was waiting for us at the attorney's office, the agent, the sellers, the closing attorney. And DH is on the phone with the LO and said we have the money but everything is closed can we push the closing until tomorrow? The LO said if we did that, not only the paperwork has to be changed (which there was ALOT of paperwork) but our file would be subject back to underwriting. I was sick, DH was sick. He said we needed to come to the attorney's office with the full $5,514 or it would be AFTER Christmas or even New Year's when we closed. DH and I decided to take a chance and just go with what we had. Because we did not have all of the funds to close. So we are heading to the attorney's office (keep in mind we are already 1 hour late and everyone's waiting on us and we are both literally sick with our lives flashing before our eyes and we are feeling like we are going to fail our children) Can you believe, DH gets pulled over by a police? AAGGHHHHHH!!!! At the same time, our Agent is calling us asking where we are and did get the balance of the our closing costs? DH gets pulled over for speeding and the the officer proceeds to LECTURE about going 5 miles over the speed limit. Oh my goodness, I thought I was going to throw up. And of course, he takes a loong time, and our cells our blowing up with everyone calling us asking where we are. After 20 minutes, DH gets the ticket and we head to the office. We go in stressed, heart pounding, sweating because not only did we just get a fresh ticket, we don't have all of the closing costs money! So after greetings and introductions, the attorney offers us something to drink and tells us to take a deep breath, and relax... He calmed us down and pulls the stack of papers in front and gives DH a pen. Who begins to sign his life away (the mortgage is his name). He explained each page to us in detail and paused in case we had any questions. He was soooo nice. He made me forget we didn't have all of our closing costs! After the last page, he shook our hands and said congratulations, you are homeowners. He said the only thing you need to do now is be here in the morning with the $5,5514. Talk about a Merry Christmas!! We shook his hand and said Yes Sir! Everyone hugged and walked each other to our cars. Later, our agent explained that to us that what just occurred was called a "Dry Closing". He said, it turns out, our Mortgage company did not wire the funds in time. So it worked out better for us. We were there bright and early Thursday morning with the full closing costs (before they opened). Later we got a call from the Sellers saying they got their check! and Merry Christmas and Enjoy your new house!" DH and I have been married for 13 years and that day was a pivotal moment in our marriage. I have to say it strengthened us, we did this together. We have been fighting for this house for almost 2 years. This was a Lease-Purchase agreeement so we were already living in the house. But to our kids (ages 6 and 17), this was HOME. The Sellers have been so patient with us (almost 2 years) we felt if we didn't close before this month was out, they had every right to lose patience. The kids were just totally oblivious through all of this and just continue living what DH and I call the "good life". Our 1st mortgage payment is not due until Feburary 1. DH and I came from very poor families and DH has lived in so many different places. He's never really had a place to call Home. Now, he does. Now so do I. Lisa, what an emotional journey. I understand every letter you typed. I am so happy for you.

Congrats!! I hope you enjoy the holiday and then the weekend flies by so you can get home! Thanks, I had some vacation days I had to take at work....So I won't return until January 4th. Going Monday to clean and do some measuring. Can't wait. Thanks to the holidays, this week may zoom by.

So where's the update? I know you closed so how did it go for both of you.

I love spreading good luck.

Lynn!! I'm happy for you. I just got a call too. I'm closing on the 29th.

It's official.....I'm closing Tuesday morning!!! I am so excited!! I can't wait. I am still keeping fingers and toes crossed.

I'm still waiting too lynn. It will happen.

Update!!! Received text from LO Tuesday that the environmental review was in. Grant UW was sending the file in for funding of the grant. Here's another waiting period. Don't know how long it takes to fund the grant but I am so ready. LO gave me a tentative closing date of December 30th. That's if the grant funds between now and then. He says I will close before December 30th. We will see.

It's coming Lynn. Hang in there

I'm happy for both of you. Congrats....I got so excited as I read the topic. I am waiting on my clear to close too.

That's really good he is trying to get you closed and get accurate information. At this point, it is out of both of your hands. I do understand waiting on governed entities. Hmmm, wonder if they have a quota or turn around time. I'm hoping it is the 22nd or before.