You guys all know we are buying a house down in Phoenix. You guys all know based on my last post that we are (were) planning to move down there this weekend (Saturday to be exact, with cable/Internet being connected on Sunday).
We were supposed to close tomorrow. It might happen; it might not happen.
Imagine my shock when at lunch around 2:30 this afternoon I saw an email from the title company that they were expecting us to be down there tomorrow at 10 a.m. to close. In person, to sign the papers.
Now, lets backtrack just a little bit. We are getting our loan through our bank that we have done business with for over 10 years. We got a good rate. Everything was steady to close tomorrow.
The person I've been dealing with there is not the sharpest person on the planet, but I've been really trying to work with her. She asked me what time I wanted to close on tomorrow. I said "the earlier the better" and came up with 10 a.m. It NEVER dawned on me that we were expected to actually sign in person because its been close to 10 years since I bought a house with a loan. No one, realtor, title person, loan people, etc., ever confirmed that we had to be there and it just wasn't on our radar to remember that we would have to actually sign in person. I just thought closing time was when the bank would transfer the money for the loan to the title company. She sent an email about a week ago confirming the 10 a.m. closing time at the title office, but I NEVER GOT THE EMAIL (I saw the email today on a paper trail of other emails sent between our realtor, the bank, and title company). Now why I didn't get the email, I have no idea. I hate spam, so I'm always cleaning up my spam file daily. I live on my email. I check it morning, noon, night and anytime between then. If I had gotten that email, I would have put the pieces together that we were supposed to be down there and I would have changed the date of closing because there was no way we could have been down there that particular time on that particular day due to other obligations.
We bought another house down in Phoenix (another story for another day) recently for cash and they were able to send us the papers which we had notarized and then sent back. So we thought it would be something similar this time around.
Needless to say, everything was supposed to be in place to close tomorrow. Needless to say, we might not. Needless to say, this didn't catch God by surprise. Needless to say, I have heartburn right now, but am enjoying a nice glass of wine (always easier to move if one indulges in a glass or two of wine during stress; at least for me).
We have a plan in place to close tomorrow if the bank will accept it. Involves me notarizing papers up here, son driving up here to get papers to drive down to Phoenix (1-1/2 hours apart), getting papers to hubby who works 1 hour away from Phoenix, getting a mobile notary to meet him there to sign the papers, getting the papers back to the title company and close....hopefully....if the bank will let us sign the documents in two different places....call being made to the bank first thing in the morning to see if that will be okay. And I have to say, if you are ever in Prescott and you need a personal banker, I got just the lady for you. I called her with our problem (having the loan documents sent to the bank to be printed and me notarizing them); I went down there today and she walked me through the whole process, tried to problem solve as she could, and set up for me to be at the bank immediately when it opens tomorrow to get things taken care of before I have to go to work. She's the best!
I'm too old for this stress......
It will get resolved and if our closing date gets moved back a day or two, we can still work it out.
Never again......I will never move again (of course I said that 10 moves ago).
and if you are reading this and it is early in the morning of Wednesday and if you pray, say a prayer.......