In a perfect time to be blogging my rants about building a new home and all the headaches that I never thought would come with it. I have written nothing. It's been a surprisingly scary last month. So many things that I couldn't have imagined would happen went wrong. But it looks like I'll still get a house and things are mostly smoothed over for the time being. But all I can say is, when times get rough, your builder can be a complete ass, and the bank, well they can make your life a living hell. But oh well, you live and you learn. I have had a major life lesson this month. You never ever trust anybody you are paying. They're only being nice to you because you are paying them. And if you run into a problem, the bank certainly doesn't have your back.
I'm not excited about his house anymore and I just want it to be done with. But unfortunately, I can't even set any deadlines when it will be done anymore because my builder keeps completing work so slowly. You'd think he'd want to get done and get the rest of his money and be out of my life, but somehow I think it brings them pleasure to string me along. I don't know why. It doesn't make any sense.
Showing posts with label banks. Show all posts
Showing posts with label banks. Show all posts
Sunday, September 7, 2008
Monday, April 7, 2008
Life's boring
That's why I haven't posted anything lately. Well that reason and I've been busy doing work in the evening. I swear, I'm never going to get this house built. Banks are ridiculous! What else? My motorcycle is dead. The brake caliper started seizing and I didn't notice, so the rotor is scratched. So I have to replace the caliper, rotor, and brake pad. That's a pretty penny. I shou'dve bought a newer bike.
It was warm outside this weekend. So that made it enjoyable. I am buying a new bicycle. I found a pretty good deal on a bike at Dick's. It has 21 speeds, front shocks and a shock on the seat so it should be a pretty comfortable ride. They call it a comfort bike, but it's built like a mountain bike except the tires have a less aggressive tread. It's $160. That's a little pricey, but seeing as I bought a bike at Target for that much on Saturday that I found out was way too small for me after riding it. I decided to get a bike from a real sporting goods store where they had bike frame sizes for people over 6'. I wish i hadn't left my dad's old bike outside so much in college. If I had brought it out of the rain and snow and all that junk, it'd still be ridable today. My mom's bike still looks new. It's been garaged since 1990 :)
It was warm outside this weekend. So that made it enjoyable. I am buying a new bicycle. I found a pretty good deal on a bike at Dick's. It has 21 speeds, front shocks and a shock on the seat so it should be a pretty comfortable ride. They call it a comfort bike, but it's built like a mountain bike except the tires have a less aggressive tread. It's $160. That's a little pricey, but seeing as I bought a bike at Target for that much on Saturday that I found out was way too small for me after riding it. I decided to get a bike from a real sporting goods store where they had bike frame sizes for people over 6'. I wish i hadn't left my dad's old bike outside so much in college. If I had brought it out of the rain and snow and all that junk, it'd still be ridable today. My mom's bike still looks new. It's been garaged since 1990 :)
Wednesday, March 12, 2008
Banks
No wonder the banking industry is in the mess it is. I've been trying to get a mortgage set up with one bank, which I was told is "very good" and I swear the right hand doesn't know what the left hand is doing there. I was assured several times that my loan would be approved by close of business on Friday, but when I called on Friday I was told that for some unknown reason the "underwriting department" hadn't finished their credit approval. They have had my paperwork for several weeks. Earlier that week I had sent them an official bank statement instead of printouts from the web, like that mattered. But even with my t's crossed and my i's dotted, they still are functioning with half a brain.
On Monday I called and was told that the approval still hadn't went through, but I should still be able to close on Thurs with the documentation I had already provided. I call on Tuesday and provide every single document humanly possible to the bank for the construction side of things (the official contract, and proof of payments already made to the builder). And somehow as of now, they still don't have the loan approved. So wait, I already provided you with all my bank statements, home cost spreadsheets, and the appraisal has been done already.... soooo, what is the hold up. The bank's response now. The "construction loan dept" wouldn't look at my paperwork at all until they received a signed contract from the builder... Wait, why didn't you tell me this before??? So anyway, they had all my other paperwork in one form or another for weeks, but somehow they still can't turn this around in 48 hours? banks....
Update: I just received a call from the appraiser, who was apparently just contacted for the first time today to do the appraisal! wow, just wow. hi left hand, how are you? I'm right hand.
On Monday I called and was told that the approval still hadn't went through, but I should still be able to close on Thurs with the documentation I had already provided. I call on Tuesday and provide every single document humanly possible to the bank for the construction side of things (the official contract, and proof of payments already made to the builder). And somehow as of now, they still don't have the loan approved. So wait, I already provided you with all my bank statements, home cost spreadsheets, and the appraisal has been done already.... soooo, what is the hold up. The bank's response now. The "construction loan dept" wouldn't look at my paperwork at all until they received a signed contract from the builder... Wait, why didn't you tell me this before??? So anyway, they had all my other paperwork in one form or another for weeks, but somehow they still can't turn this around in 48 hours? banks....
Update: I just received a call from the appraiser, who was apparently just contacted for the first time today to do the appraisal! wow, just wow. hi left hand, how are you? I'm right hand.
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