You would not believe the closing I had yesterday.....
I am still in awe. What a challenge this deal has been to close. Many, many houses shown. Not like this client wanted much for their new home. They were very specific as to what they wanted...well at least in their mind. They really had no idea what they were looking for but I did find the absolute closest match that they described.
That was in November. The seller was building and requested a long closing date which was fine with everyone. I will go ahead and tell you now...long closing dates make for tough transactions.
So we are supposed to close earlier in the week with no luck due to a problem with financing. So a "meeting of the minds" was set up to work out the bumps. At one point the lender was actually acting like a child and throwing a fit trying to argue with the client....oh my God........no way. After the TOUGH meeting I thought everything was all good. So did everyone else...but finance had other surprises in mind.
Here in NC we don't see much snow, at least not in this area. But the day after the meeting and the original day of the close it snowed. So.....the underwriters took the day off. Another delay, another day putting out fires, so to speak.
The day of closing...the package arrives at the attorney's office at 3 in the afternoon. Closing is scheduled for 4. Can you see where this is going? Closing moved to 5.
Covering HUD with buyer client. Some things are wrong on the HUD so I go get them corrected. Then the points paid are wrong. Lender screwup. AGAIN, fourth one this transaction. Faxes back and forth..lender REFUSES to come into attorney's office to handle HER JOB. Even HANGS UP on me when I asked her VERY NICELY to come down and clear up her problem.....aaaagggghhhhhhhhhh........this is going badly....
Finally explained everything to buyer's satisfaction and closing occurs. With NO HELP from the lender. NONE. Can you say..they are not on my Christmas card list nor will I EVER, EVER, EVER, EVER use this person again. I hate that I ever have to say that. I like to see the world through the rose colored glasses but unfortunately some people make me throw them across the room.
Oh well...another person added to the "no way in hell" list and to the "lesson learned" list.
I really hope the next one will go smoothly....I earned EVERY PENNY of this closing.
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