House-Broke Here We Come!

Isn't she lovely?!?!!!!! That's our new home! Tomorrow night or some time Friday we are signing all of the papers and we should get the keys next week (after the paper-work is filed, or something like that, I don't really remember because so much information has been thrown at us and it's all been in a foreign language!).

Here's a pic of the kitchen. Remember, I am going to cook A LOT more in this kitchen...should lead to some interesting reading for you! Lol

You know what I don't understand about buying a house? Why things change ALL of the time. During a meeting with our mortgage guy to fill out the complete loan application he explained something in great detail. This "something" was explained after one and a half hours of listening to other "somethings" explained, in great detail; so, my attention was dwindling a little bit!

I've learned that I'm great at paying attention for the first hour and after that, I'm pretty much useless, which, drives Dave crazy! He'll bump my leg or tap my arm and tell me that I need to pay attention, that this is important. *Sigh* That's why he's there, too, right? So, I can "check out". What's funny, though, is that Dave supposedly pays attention for the WHOLE 7 million hour meeting...yet, retains NONE OF IT! Cracks me up! Good thing I'm the one in charge! Hahaha

Ok, got off track. Anyway, so, mortgage man explained all of this stuff to me that I interpreted to mean that when we finally do close, we will not need any more money and that in fact we will GET money! So, I say to him (to confirm that I've understood correctly cause this stuff is important), "So, basically what I'm hearing you say is (by the way, I've used that phrase a lot over the past few months) that we're good, right," to which he chuckled and reiterated, "Yes, we're good."

Fast forward time. We receive some info in the mail which indicated that we'll need a ton of money at closing. WHAT??? Try going to bed after reading something like that, I dare ya! I call the mortgage lady (she handles the paper-work) the next day and find out that this is worst case scenario, that she forgot to include some other figures, and the amount needed at closing dropped tremendously. PHEW. But, in the back of my mind, I kept wondering why we were going to need money, when I specifically remember my previous conversation with mortgage man.

Last week, when everything came back from the under-writer, mortgage lady told me we'd need $600 at closing. So, thinking that I needed to be informed, I asked her why we were going to need more money (after all, mortgage guy said we were good!). After a 10 minute answer we hung up and I still had no idea why we were going to need money at closing! Grrr! In the back of my head, it's been bugging me, though. But, we had the money, so I decided that I just wasn't going to worry about it.

Now, today when I'm talking to her she tells me that we're going to need $4,000, yes that's right, FOUR THOUSAND DOLLARS, at closing...which is tomorrow! I told her to BACK THE TRUCK UP!

Lol, no! I didn't really say that! I couldn't say anything because I was choking...I was choking on my own air and my own saliva! Luckily, mortgage man overheard her and corrected her and she had FORGOTTEN about our 3.5% down payment! Turns out, original conversation with mortgage man is still accurate and we will need no more money to close. Turns out, we find all of this out after Missy has a mini heart attack and has been stressing for weeks! Turns out, we've been good all along just like he told me in the first place!

On the way to work today I was thinking about the one mortgage guy telling me that I wouldn't need any more money and the other mortgage person telling me I would need more money and I was thinking in my head how I wish that I could have a job where I could be wrong and still get paid and where I could change the information given half way through the day and still get paid and how people should know their jobs and know that we take what they say as truth and don't plan on it changing and that they should know that and that when the info does change it causes stress, that it affects our lives and...I was having this whole big rant in my head that I was going to blog about! But instead, you got a whole other story to read about...and...I don't know which is worse! :)