It'll Take a Miracle

Yesterday was not a good day for me. I woke up showered and checked my blackberry before heading to work. There was an email from my mortgage lender with an update on the closing which is supposed to be taking place on Friday. Starts out that the loan is out of underwriting - yippee, oh wait keep reading there is a long list of conditions and the closing needs to be pushed back a week. Pushing back a week will not work for me as I have 2 trucks with boxes of my stuff on them heading my way and they need a home.

Here's what was needed:

• A copy of the cleared check for the earnest money deposit. This was written on a Chase account so why couldn't they just pull it themselves (in the end they did).
  
• A letter from the rental agency in the UK documenting that I had been paying rent. The fact that I was paying a Chase mortgage on time every month was irrelevant they wanted to know about the rent. I am eternally grateful to the woman at the property management company that got me the letter in 30 minutes - given that the day was ending shortly this was amazing.
  
• Explanation of a large deposit that was made into my US bank account in May. This was the wire transfer from my accounts in the UK and I had already provided a description and documentation on this. Turns out they just forgot to send that information to the underwriters.
• A copy of the offer letter and transfer letter from my employer. Why this was needed I have absolutely no idea.
  
• Additional bank statements from Sovereign Bank. Turns out the statements I downloaded online didn't have my name on them. Ordinarily I would just go on-line and reprint the items but when I was home over the weekend I closed the accounts. I called Sovereign they needed me to mail them a letter and a check to get the statements this would have taken about 2 weeks! Thankfully my sister still had some statements and was able to scan them in and get them to me first thing this morning.

Last thing I heard the paperwork should be at escrow by noon tomorrow as they are putting rushes on absolutely everything. The disappointing bit is that given that it is after noon the sale won't be able to be recorded until Monday which means I don't get the keys until Monday - BOO! I find it a little odd that I will be signing all the paperwork, paying money but still not have the keys. I haven't yet heard from the movers saying that the stuff will be delivered in 48 hours so I think I'm ok - still keeping my fingers crossed though.