Might we actually close tomorrow????

Our closing date last week came and went. We had the builder number in time. Found it on the list first thing Tuesday morning, but we found out the builder is just not that bright. Not sure if he's never sold a house before in his life, or what, but it was pretty ridiculous. The lender needed a copy of the floor plan of the house and the specs. By specs, it means a list of the items that are included in the house (IE... appliances, fixtures, etc) and the materials used for building the house. The dude sent a mission statement for his company. What the heck?!?

So, finally the underwriters decided to accept what he submitted. But, there was no way that we were going to close in time, so we had to file yet another amendment so that we could push our closing date back to October 22nd. We were told that we might be able to close before then, but we all knew that it was going to get pushed until the last possible minute.

Which brings us to now, and yes, once again, we are on the brink of closing, and there is no telling where we are at. We are hoping that we will close sometime tomorrow morning so funding will take place the same day and we'll be able to move in on Thursday. Our lender cleared us to close on Monday afternoon, the closing dept. should be sending all of our paperwork to the title company today (hopefully as I type this so that they can assemble the packet and get approval to close in time for us to be ready in the morning), and then we'll have the dollar amount so Trey can swing by the bank on the way home to have a bank check drafted for tomorrow.

In the meantime, I am packing. We are going to have to do this move really really fast. Try Thursday. Trey will have one day off next week, Tuesday, and that will be just enough to change over from working nights to days. He then won't have a day off until his birthday on Nov. 3rd, and that's the only day off he has off for the entire month of November. They are doing a huge maintenance overhaul at the power plant, and he'll be working 84 hours of week. That's 12 hours a day with no days off. Not even Thanksgiving.

Mom and I got a good jump on our packing last week when she was down here. Kathryn and I will be working on some this afternoon, and I imagine mom and I will finish up pretty quick when she gets here. We're excited, but for some reason whenever we move it's always unclear up until the last possible second. A pain, but not much else we can do about it. We are the ones that are held in limbo.

Back to stuffing junk in boxes... Will update when I know more. :)

No number yet

We've had some good news, some bad news, but all around, it's just more of a matter of when kind of thing...

As of my last posting, we found out that the builder needed a special number. The forms have been faxed, and as of Friday, the va office couldn't find them. So, Trey emailed them in hopes of getting this whole thing expedited. Of course, today is Columbus Day, aka Federal Holiday, which means that the earliest we might be able to get the number is on Tuesday. Yes, the day before closing is supposed to happen.

We did receive some good news on Thursday though. Aside from this pesky number business, we did find out that all of our underwriting has taken place and we are in the clear on our end. The builder did have to provide some additional information though. He had to provide the one year and 10 year warranty info, and the plans and specs for the house itself. According to our realtor, he has done that and all that is left would be that number.

We went out to Aledo to visit Trey parents on Saturday. Trey and Kathryn went with Carl, Brian, and his friend Jason to the air show. Jacob and I stayed at the house and hung out with Ave, Michelle, and Leiland. We went home after dinner and go home around 9:30. The kiddos fell asleep in the car, and then we crashed. It was a quick trip. Carl's birthday is today, so we did the cake thing out there on Saturday.

Trey is back to work this morning, and mom is on her way out for the week. She's going to take care of the kids when we go to closing. She'll be helping us pack too. Kathryn goes with Carl and Ave on Friday for the weekend. Carl has a company picnic and she'll have a blast.

The uhaul has been reserved, for Friday so we can get a jump on loading, we'll move it on Saturday. That is if we ever close. ha ha... It's going to happen this week sometime, we just don't know when. It's always fun flying by the seat of your pants. :) Wheeeeeeee!

A Snag...

Well, just when you think everything is all set, here comes the snag. Apparently, our seller needs to have a va id number. Who knew? Certainly not us. You'd think that the lender would have anticipated this for us, or knew what to do about it, but right now we are in a bit of limbo.

After doing some research online, it looks like the seller has 3 forms that he has to sign and submit to the va regional office. They will then issue him a number (who knows how long that takes) and then the underwriting can be finished.

I called our realtor this morning and let him know what we needed, and he is going to speak with the seller's agent and see what needs to be done. I've found all the forms that need be to submitted to the va so that they can generate him a number. I'm hoping if I get our realtor on it already, maybe we can get the ball rolling a bit faster.

Hopefully this will all work out, and we'll get squared away in time to close. Holding my breath...

Inspection Done, Survey Check, On to Underwriting...

Phew, this has been an exciting week. Wednesday morning, the home inspection was done. There were a few things that needed to be fixed, but the house is in excellent shape. What you should expect from new construction. Our inspector was very impressed. He spent almost 4 hours looking over everything on a 1500 sq ft house. Trey showed up 15 minutes before the appointment, and found that the inspector was already up finishing up his inspection of the roof.

So, what was wrong with the house??? Like I said, not much. There were 2 nails on the roof that need to be pulled and the holes need to be caulked. The knob on the back door needs to be replaced. You can deadbolt it, but the door does not latch otherwise. There was a part of the stonework on the front of the house near the garage where something hit it, and it was starting to crumble a bit. Nothing major in the way of structure problems, but it was a cosmetic issue that should be taken care of. And lastly, we asked that the builder improve the drainage around the foundation of the house. Not that there has been a problem or will ever be a problem, but it's much better to be proactive on this. We knew that would come up anyway, and that's why we had it in the initial contract of the house purchase. Our realtor filed an amendment to the contract asking these things to be fixed, and the seller agreed. Trey and I told our realtor that if the seller tried to fight us on it, that he should be reminded that he will be receiving $1000 over his asking price, so he a few bucks on caulk that he probably has lying around one of his other building sites shouldn't be a problem. ha ha

Next thing that came up was that the lender didn't get the survey yet. We were told that one was ordered, but it looks as if the ball was dropped. So, Trey call several different companies locally and found one for a little over $400 instead of the $600 every other place quoted. That was supposed to happen in 3 days, but it's already been done as of this afternoon. They will just tack that cost on to the closing, and it's already included in our good faith estimate, so no worries.
According to our loan officer, now that that is done, she can submit all the paperwork for underwriting and we'll be set to close on time. T minus 11 days and counting...

Feel free to check out all the new pics. There are a lot of pics that Trey took, and a ton from the inspector.

http://s41.photobucket.com/albums/e255/ruhruh1979/Flagship/