Almost closing time!




 We’re finally here, it’s finally the week of closing!

Even though it was roller coaster of a ride, we are finally taking the last step to getting our house. Even getting to this last step was a bit of a wild ride.

When we were exactly one week away from closing we got a phone call from our lender saying my husband’s verification of employment paperwork was done wrong… for the third time!

Friday morning we were scrambling to get this straightened out, because we are either getting a yes or a no from the underwriter that day. If we were not approved that day, our closing could be delayed another week, which wouldn’t be too bad except for the fact my dad is flying out here to be supportive and to celebrate with us. 

It not only took my husband’s manger getting involved, but also his district manager, as well, to try to get the HR person to fill it out correctly. All he needed to do was state when the person was employed, what their wages were, and confirm that he will still be employed there after we close. 

Not sure if it was just getting too late or what, but finally it was decided just to use my husband’s pay stubs. This was a big risk because by doing this we are at our max limit for our loan now. We were originally approved for $245K.By using my husband’s pay stubs this now will put our loan limit at $240K.

Most of the day was just waiting on pins and needles. Every time an email came in, or my phone would go off I was scared to look at it. Then about 12:30 pm I emailed our lender, asking if she had an update for us. She told me that both underwriters had signed off on the paperwork and we were clear to close. I could finally breathe again!

About a half hour later my husband calls to tell me he has bad news, that the underwriters didn’t approve our loan. I was super confused at that point and told him our lender had emailed me earlier telling me we were good to close. Turns out he was trying to mess with me and trick me into thinking we were not approved for our loan. Sneaky guy! This just proves karma exists, because it got him before he even knew it. 

So now we are all set to close on our very first home on Thursday morning!! Stay tuned for the epic conclusion. 



Comments

Post a Comment

Popular posts from this blog

Importance of Curb Appeal

Image
Have you ever wondered why homes don’t sell?  Most of the time it does not have anything to do with the house itself.  Your residential specialists in the Denver North Metro Area, Jeffrey Harmes  and  The Harmes Team , believes this too.  Sellers make sure they have taken the necessary upgrades before considering putting it on the market.  But still, there are homes on the market that don’t get sold.  There was an article we posted some time ago that talks about what Curb Appeal is.  Keeping your landscape groomed and well-kept has something to do in getting your home sold successfully.  Let’s say you have done everything, repainted the house inside and out, upgraded the floors, the fixtures basically everything that needs to be changed in the house was changed.  You may also contemplate on wanting buyers to be enticed by what they see outside and make them buy your home.  There are several reasons why instead of encouraging potential buyers to keep engaged and eventually buy yo
Read more

Update Your Home Room by Room

Image
Keeping your home updated can be fun and add value. When updating your home comes to mind, usually what comes immediately after would be the costs. There are many things you can do to spiff up the old place without spending a fortune. Updating your homes can be done in segments and  Jeffrey Harmes   along with   The Harmes Team , your residential specialists in the Denver North Metro area, have a few great ideas to share on how to update your home room by room.   There are many cost efficient ways in which rooms can be updated. Start by planning and figuring out what you want to work on first and your budget,  check the costs of remodeling your home room by room .  Once you have found the balance of want you want and what you can afford identified it’s time to begin. Having a guide on  what to makeover in your home helps a lot in focusing on what needs to go and what can be fixed up and stay. The Basics – Start with some very easy things like new floors and carpet, windo
Read more

How much do Realtors give to Charity?

Image
Giving back to the community is something your Realtors in the Denver North Metro Area,  Jeffrey Harmes   and  The Harmes Team , believe strongly in. Buying a home is a huge investment and when working with an experienced Realtor you should know that across the states they work their way not just to be successful in their business but also to give value to the transaction and be able to give back to the community through donating to charitable institutions or causes. The state of Colorado implements  rules and regulations  when it comes to donating to which charitable institutions/causes. Donations can come in all forms including Real Estate, cash, services, and other useful resources beneficial to the recipients of the generosity. In return, the benevolent Realtors who give back to the community get something in return too, in the form of a  Tax Deduction .  It has been customary for Realtors to donate a portion of their commission to charity as  Jeffrey Harmes   and  The Harm
Read more