Tuesday, July 31, 2012

No Catchy Titles Here

It always amazes me how much a move takes out of you. I've slept over 8 hours a night for the past week or so but I still can't seem to get energy in me. Generally, for me, after a move it takes a couple weeks, and a little more settling in, for me to regain some normalcy back into my life. 

At this point, however, the garage is still cluttered, we still have a lot of stuff in a storage unit across the county (because we were planning on living nearer to it than we ended up) and I haven't even begun to think about hanging pictures. There are speaker wires dangling in front of our entertainment center, we need to drill holes in some shelves to maximize the usability of them, and the only food I've eaten on a regular basis for the past 2 to 3 weeks is fast food. It's getting awful, if I'm being honest.

But, on a lighter note, I love being home. I feel like I'm home. I don't feel like I'm waiting on anyone anymore, if that makes sense. Renting homes for the past 9 years has really made me appreciate being here, now, in my own home.

I've got a video tour of my house on my camcorder but I can't get my computer to connect to the internet and I don't have the editing software on my husbands computer so I have to figure that out before I can post the video anywhere. I haven't yet taken photos because I feel like my house is too messy (but I guess I didn't think it was too messy for the video tour) to take pictures. 

I have to end this post here because I'm a half hour late on giving my dog his insulin! Until later!!!

Friday, July 27, 2012

Holy Freakin' Cow

I always knew that buying a house was going to take a lot of time. I guess I just didn't realize that a lot of time also entailed a lot of tears, a lot of yelling, and a near miss on a great house.

I'll go into details in another post but I wanted everyone to know that I'm still alive and I plan on getting back to blogging when I'm more comfortable with how much I've unpacked in my new house. I also plan to give everyone a tour of the place I get to call home for at least the next 10 years.

Until we "talk" again have a great week/weekend/night/day/ or whatever it may be where you are when you read this.

Friday, July 13, 2012

Ever Have One Of Those ... Months?

I always tell myself that next month is going to be better than the last. Then when the year is over I tell myself that this year is going to be better than the last. Somehow each month, or each year, manages to be worse than the last. This month (or should I say past couple months) just takes the cake. This has to be, bar none, the worst 30 days of my life.

(I will warn you, I'm about to go on a whining, bitching, completely out there rant about why the past 30 days has been so bad. If you're not into reading that feel free to click away right now. This post is probably going to be full of little side notes like this one.)

I am less than 2 days away from D-Day on my mortgage (getting one, not making a payment on one) and I'm not sure I even have one to speak of. The mortgage company I'm dealing has a motto. It's a motto I made up for them. "If you want something done, we'll do it tomorrow. Then when tomorrow comes it won't be done BUT we'll do it tomorrow." This is how the whole deal has been going. Every time I ask when something is going to be done the answer is tomorrow. It's never been "we'll have that for you today". When they need something from me they call me at the end of the business day when nothing can be done until, you guessed it, tomorrow.

Let me tell you what's happened with my mortgage company thus far.
 - They lost documents that I gave them when I first met them. They lost copies of my drivers licenses and copies of my bank statements.
 - They had my file through underwriting and then it got "deleted".
 - They've asked me to explain just about everything in my life. The only thing I'm waiting for them to ask of me is to give blood from my first born. To which, I will respond, I'm not having kids. To which they'll respond "then you're screwed".
 - They never contact me until 5pm telling me they need more crap thus pushing every date off until tomorrow.
 - I've been in underwriting for 5 days now. A process that should take 24-48 hrs according to every site I've ever seen.
 - Did I mention that my broker switched companies while working with my loan? He failed to mention this to me. Had he told me I would have demanded he leave my file with his original company and I probably wouldn't be in this mess.
 - There are charges on my contract that were not disclosed to me when I asked about them before the loan process started. I'm trying to fight these charges but we'll see where that goes.
 - They have 4 to 5 months worth of statements but a condition of underwriting was that I provide more than 2 months of statements. Uh ... I already have.
 - There was nearly a week where I couldn't get a hold of my broker. He refused to pick up his phone and he wouldn't answer my texts. Then when I finally got him on the phone it was infrequent because he attended more meetings a day than President Obama.
 - I refuse to speak to him anymore, as does my husband, and we're having our real estate agent speak to him now.
 - His processor decided that because our real estate agent didn't agree with her that she'd refuse to talk to him because he "yelled at her". My agent never yelled. He simply disagreed with her and now she won't speak to him. Thankfully we have 2 agents working in our corner and she'll speak to the other one.

(Let me fill you in on something. If you live in Utah and are looking for a mortgage broker do NOT use Phil Wilson from Security National Mortgage Company. In fact don't use SNMC at all. Their team is full of, what seems to me, incompetent ass holes without the common sense to look at what's in front of their faces.)

To top it all off my landlord is pressing me for an answer on whether I'm moving or not. It's not their fault and I don't blame them for anything but I feel like the stress is just piling up. I feel like it could cave in on me at any second. I don't have an answer because my broker hasn't given me a reason to be confident in the fact that I have a loan. I keep telling them I'll have an answer soon but that soon never comes. Soon becomes tomorrow and I feel like I'm starting to sound like my broker. Tomorrow becomes 'in a couple day'. It's a never ending cycle. I wouldn't blame them if they kicked me out and kept my deposit at this point. I'm stringing them along. It's the last thing I wanted to do but had I realized that I was going to be strung along I would never have started this process.

(Thankfully my landlords are freaking amazing and have promised me they won't even think about renting the place out until they have a firm answer from me. What gems they are. Also, I just tried to spell gems with a j. Just thought you should know how horrible things are right now.)

I've been getting physically ill over all this bull crap. My husband doesn't know it, but now you do, but I've been throwing up almost everyday in relation to all this stress. I've also started my period so that's not helping at all. It feels like everything is crumbling in on me.

Other little issues that I've had to deal with.
1. All the outlets in my living room went out today. Thank goodness my husband is handy and fixed it within minutes of it happening. 
2. The water system, ya know the one that waters all the plants and the lawns, still doesn't work. It's getting fixed next week. I'm not sure the plants in this yard can handle going without it for that long though. The grass in the backyard is already perishing.
3. My diabetic dog is refusing to eat at times. I can't give him his insulin if he doesn't eat but he won't eat for some reason. He's not sick, we've had him checked out, so I'm not sure what the issue is at this point.
4. That same dog keeps peeing on things. I can't blame him, the diabetes has caused him to lose control of his bladder. The bad part is it's causing my other dog to have to live without a bed at night.
5. I don't feel like I can talk to anyone, but the blogosphere, about anything because I just don't think anyone would get me. They'd say I'm stressed for no reason and I just need to calm down. Well, people I haven't talked to but am assuming the answers from, I can't calm down. This is the biggest decision of my life and it's falling down around me.

Thursday, July 5, 2012

Over Confidence Does NOT Impress Me

I've currently come into a situation where I'm dealing with an extremely over confident person. I, unfortunately, do not see his perspective. No, this man is not my husband, but he is in charge of a lot of my money at the moment. It's my mortgage broker.

When we first started working with him it seemed that everything was going to run perfectly. He was easy to get on the phone, responded to calls and emails, and promised us that everything would work out perfectly. Today, five days before I have to have all information about financing to close (or pull out of) the deal on my new house, I'm wondering whether or not I'm GOING to have a new house. My mortgage broker has been evasive, it's nearly impossible to get a hold of him in any manner, and he seems far too confident in his abilities. He even equated himself to a pilot. Saying that he'd "navigated these waters plenty of time" and I had "no reason to worry that we were so close to our deadline" because he'd "done this many times with great success". It's not the fact that he said he was a pilot and talked about water that scared me it's the fact that, as I said, I'm so close to my deadline that I'm not sure if he's going to be able to pull this off.

Last Friday he explained to me that we'd be in underwriting this week. Yesterday he contacted me telling me there was information missing from my "package". Information that I knew I'd already given him. I had to take time out of my day to find this information and send it to him. Do you know what this means? This means I haven't gone into underwriting yet. This means that they're still not sure if my loan is going to make it through the bank. This means that, even though I have fantastic credit, 20% down, and money to pay off the loan right now, I'm jumping through hoops.

Well then why didn't I just buy outright? Why would I do that when I have the opportunity to continue to build my credit AND have money left over for a security net? I'd be foolish.

His overconfidence in what he does isn't something that makes me at ease. In fact in makes me more nervous. He's so sure of himself that he actually told me not to worry and that everything was going to work out. When I asked him if this is all the information he needed he proceeded to tell me "that's all they say they need but we'll keep in touch". SERIOUSLY? AND YOU DON'T WANT ME TO WORRY??

His over confidence is stemming on cocky and I don't like it one bit. Thankfully he knows that now.

Sunday, July 1, 2012

What's Up July?

So I thought I'd do sort of like a "what happened in June in Alicia's life" kind of post. I'm not sure what you want to call it but I call it ... well I don't know what I call it. You be the judge.

My husband and I bought a boat.
In a 5 part series, I told everyone Our Story.

On my other blog ...

Here's what Instagram thinks I did last month.

I had a wonderful dinner with my husband, on his birthday, at his favorite Thai restaurant.
I bought a Vitamix so I can at least pretend to eat healthier.
I started a baby blanket for my sister-in-law.
I went to Lake Powell ... a lot.