Tuesday, June 3, 2014

Tuesday and hopefully almost done.

Tuesday evening on the final week of this adventure in frustration with banks, lenders, appraisers, contractors and probably a whole lot of alphabet groups I've forgotten.

Last weekend only got me almost to the end.  The lender promised me all the i's were dotted and the t's crossed.  Wrong.

Today the lender comes back to me with more questions and requirements.

I had provided (months ago) copies of documents showing that I owned the house in Charlotte.  Now the lender wants a copy of the deed showing my ownership, free and clear, plus the insurance documents showing the same.  Sigh.

Fortunately, all of those documents are stashed in computer files on the harddrive and it's just a matter of finding them.

Next item:  the appraiser comes back with requirements that add to the cost of the remodel.  Things like cleaning the carpets (which are scheduled to be replaced) and replacing both bathroom vanities.  Both are minor things in the long run but both require the remodel contract be rewritten and changed.  Which requires all new signatures on the contract.  Which requires me to print off the pages needing a signature, signing them, scanning them in and sending them to the lender who in turn sends them to the contractor for his signature before the lender can proceed with setting a closing time.

I had planned to remodel both bathrooms sometime next year when my budget recovers some so the vanities that have to be installed now will be the absolute cheapest of the cheapest just to meet the contract requirements.  Sigh.

There still isn't a firm time for the closing.  Sometime Friday afternoon, maybe.  I'd planned to meet with the contractor to take a real look at the kitchen cabinets he plans to order and to lock down the construction schedule.  Juggling his time and my time is going to be fun.  I'd wanted to get back to Charlotte Friday evening but it might not happen until Saturday.

I'm still showing the Charlotte house as often as possible.  With as many showings that have happened you'd think this house would be gone.  I really want this done and it's not happening very fast.  Trying to schedule showing for the Charlotte house from VA gets to be another juggling act.

And it's only Tuesday.



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