Someday We Will Close Escrow

...and it better be soon! We were set to close escrow no later than yesterday but yesterday came and went and we still don't have the house. The selling bank set the escrow deadline (June 30th) and now everyday that we go over that date we have to pay a $40 fine. What is really frustrating is that it took the seller 3 weeks to sign the documents that were required to start the loan process in the first place, setting us behind in the the amount of time we had to close. Oh, and not to mention the sellers agent could not provide us with a acceptance contract, which we found out weeks later that it had been at the title company this whole time. 

Now it seem the hold up is on our side of the equation which was totally unexpected. Our lender keeps sending us a list of forms to be filled out and conditions to be met. Bob and I find our selves wondering why in the heck they didn't ask for these things weeks ago? First, they say we have to fix a broken window and peeling paint on the house, you know the house we don't even own yet? Yeah, that one. Anyway, we get that done and have the appraiser come back out and take pictures of the house to send in for review. That was the only thing they asked us to do so we were under the impression that everything is great and we can close on time. 

Then two days before we have to close we get another list of things they need: 1) a clearer sales contract (that no one seems to have) 2) More employment information 3) Bob's military records 4) School transcripts and finally 5) A real estate certification. Seriously, why do they need our school records? Are we going to get a good student discount? Because that would be real nice! And why do they need military records from 2001? Its not a VA loan its an FHA! Anyway, we get everything taken care of but the real estate certification form that no one including our loan officer knows what it is. 

Yesterday, we get a call from our loan lady and she says my school transcripts do not have enough information. REALLY??? At this point Bob is looking like he is going to kill someone and Im in disbelief that they even what this information and are being such a pain in the butt about it! I call my school and beg them to put a rush order on my official transcripts and they say that they can put them in the mail today. I ask can I PLEASE come pick them up because we can't wait two days for them to show up in the mail? I get a call back saying that I can come pick them up but I have to pay $10 for a rush order. So I get all that done, drive to my school, then to the bank, and back home to get ready for work. I get home and decide to google search this Real Estate Certification form that no one knows about and low and behold I find a pdf form. I email it to our loan lady and she emails me back that she found out they just wanted dates changed on that form that we had already filled out. Now, why did she not know what form they were talking about? She is an FHA specialist and does not know the forms? I guess I can't be too hard on her because we did sign the form and had no idea what they were walking about too.

I did hear some good news yesterday though. Our real estate agent hired someone to clean up the yard at the new house. Thanks, Tom!