Oh, the joys of closing

Okay. So forget all that peaceful bologna from yesterday. This morning I was waiting, just waiting for a call. It was excruciating. 

This would be easier if we weren't falling for the house. It would be much easier if the family we're buying from doesn't need this money to help an aging relative. Or if I didn't like the family so much.

When we looked at the house, and wanted it, we called for pre approval from a loan company I trust (having worked with them twice before). Everything went though fine.  I checked and double checked, our finances to see that we could do this. They agreed.

When the paperwork was in front of me, I saw a credit card that belongs to my inlaws. I asked if we needed to jump through the hurdles to straighten that out. It would have been easy to get a note and a statement. If that would do.  No, no, I was assured. Your numbers are good.

And then last Thursday, I got a call requesting specific documents and saying that we are 'on the bubble.' Well. No doubt, we'll be carrying two houses for a time and that is not really in the budget. But - your company said it was all good. And now, now, with less than a week, you drop this on me?

I give you the numbers and you say it's probably good. It's close. I fiddle with insurance to decrease the yearly cost. And send that in as well. It should be good.

We obsess all night, and realize we're just a little bit away from paying off the car loan. Easiest way to lower our monthly debt. So, we pay it off, guaranteed by the website that it will post Monday. But now, they say it takes 10 days to show up. I hope we don't need that proof. But it is nice to have that monkey off our backs. 

Finally, the call comes. We're probably okay.  We need three more things. Two easy fixes. One, well, hoping is the best I can do. (Oh, and it's of course one I called about three times last week to see if it was needed. No, no, I was told.) So, I get working. Circles, calls, emails, I am a chicken with my head cut off. Going no where, hoping to get it done. Today. 

But, what is possible, given the time, well, it may not be enough. And that stinks. I'll keep trying. As much as I get annoyed with myself for not being on top of it all, I was on top of everything asked of me. As much as I hate not knowing, I was certainly a squeaky wheel, trying to get attention to make sure this went smoothly.  Ha. This will be our third house. And the first with such a roller coaster ride. 

At the end of the day, I know we'll find a solution. I just hope it's this week. Once the papers are signed, everything is simpler. 

Kind of. Then the foundation work begins. And the plumbing. And painting. And then moving. (What have I gotten myself into?)