After some drama, we closed on the house Tuesday May 12. We were promised the HUD-1 statement, which lays out exactly what your costs will be at closing, by Thursday or Friday, with closing scheduled for Monday afternoon. When we didn't have it by Friday noon, I called the agent and the mortgage broker. Neither of them picked up, nor did they return my call. I could feel my chest tightening. I couldn't read, couldn't nap. Joe was out. I thought the whole deal would fall through. Then I called Sarah, the young assistant mortgage person, and got her on the line. I told her we couldn't close Monday if we didn't have our HUD-1 by Friday afternoon. She said she would check on it.
Then everyone called me back. The lawyer writes up the HUD-1 and he had other closings, leaving him with no time to finish our report. We could get it at closing. "No," I said. "We were promised it for Thursday or Friday. We need twenty-four hours to make sure it is correct and get the cashier's check from the bank. "
They were all angry. The sellers live out of town and were planning to come in for the day Monday, they whined at me. The lawyer is supposed to be away Tuesday.
"Oh, well," I said. Their problem. We got the report Monday, declined our title insurance, and got the check from the bank. Our closing cost was 14.9% over the "good faith estimate." It can't be over 15% higher. The extra cost was because the appraiser charged an extra hundred dollars because the house is semi-detached and she had to walk an extra fifteen feet around the other house to find the meters.
It all went smoothly, ultimately. They shoved lots of documents under our noses to sign, and acted impatient when I wanted to know what they were. I don't get why we couldn't have had all these documents a month before to look over. Neither of us really know what we signed. They gave us back $1200 because there was a mistake. I told the mortgage lady, Sandra, that I was sorry for giving her so much grief, but that her industry has a horrible reputation, and no one can be trusted. She said she was trying to correct that.
In the last ten days, we have most of the last packing done, and the locksmith came and changed the locks. The tile people are coming Tuesday to look at the basement floor. The tile that was there was pulled up, leaving dry black glue on the floor. They will look at it and give us options. We want to paint the bedrooms, but can't find an available painter. We haven't looked for a mover. People ask if we'll get a U-Haul and have friends help. We are sixty-five and fifty-eight. That's not going to happen.
I thought we could take a few things, get sleeping bags and camp out on the floor until everything is done. I'm ready to be out of our current house. I see more and more the advantages of the new place: Entering on the main floor instead of a flight of steps below, a tree in front of the house instead of a dying bush, our closest major intersection (because we will be in Morgantown proper) having a four-way "walk" light, fewer students who don't speak to us living on the block and a lower density and more space. I want to be away from the two hospitals with the ambulances and helicopters all night, away from the Christian commune where they use power tools all day Saturday right behind our kitchen. We will still be too close to the football stadium, although far enough away that we won't be able to hear the fans, and will be able to get in and out of our street before and after the games.
Tappuz is freaked about all the boxes in the house. She knows something is up, but we don't have a way to explain it to her. She will miss her two second-floor balconies, but hopefully, she will take to our fenced back yard.
Limbo is not a fun place to live. I hope we are out soon. I'll update.
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