This afternoon after 24 hours of home intensity ...
Me (in a light manner) : Oh Addison, mommy's going crazy. Do you know what crazy is?
Addison : Kukamonga??
But let's start from the beginning ...
Some of you may be hanging on to news of our house that we should be closing on in less than a week!!! Let me gladly announce that this plan has been thwarted and our closing date extended tentatively to June 11. Normally this is a huge "son of a gun" moment for me but I'm beginning to piece together my sanity to realize it's not so bad.
We are working with a USDA loan, which has grown to be the impending death of me. It was all easy peasy back when we were set up with a fixed rate and a closing fee of $584 and then came in the last 2 months before our closing date of May 30th. Suddenly we are asked by the underwriters to account for and prove origins for every cent in our possession. *head against the wall*
*Warning : Sarcastic Remarks to come*
Around the beginning of May, it seemed the scanning of a year's worth of rent checks, a bazillion letters of explanation for significant, I use the term loosely, transactions like "The $20 deposit made on March 30th, 1986 was a gift from a relative for my first birthday." signed and dated and many more seriously and obviously useful requests had come to an end and we were just weeks away from a peaceful closing. We went about 2 weeks without a word from anyone and then rolled into being a week away from closing.
*ring a ling ding ding!*
Me: Why Hello?!
XMAN: DOOOOOOOOOOOOOOOOOOOOOOOOOOOOOM
As a result of the loan being in Micah's name and my mom having gifted us some funds to help in MY name we have to gift her back the money via a cashier's check and have her send us a cashier's check for the same amount in Micah's name along with a gift letter, signed and dated. In addition, because I still have my personal checking account in only my name alongside our joint account, the underwriters now want to see funds under our joint account so I have to "gift" what's in my personal account to our joint. Still with me? Micah also has to sign a gift letter oh and one more thing as icing on the cake. A completely separate loan my mom gave me months ago that I gave back to her within a week they now want proof of my mother withdrawing the money (SORRY FOLKS, IT WAS CASH!) as well as a letter of explanation stating that she lent me the money to be paid back even though they have a copy of the check showing I paid her back AND a different letter of explanation and it has NOTHING to do with ANYTHING! AHHHH! These are just a few items on a list of about 15 that were brought to my attention YESTERDAY. As a result of the timely fashion of the underwriters, we have to push our closing date to June 11, tentatively. I had to call the utility people to let them know and change our truck reservation.
Things to be thankful for :
1) That we didn't pull out of our lease, that ends June 30th, sooner. We'd be homeless.
2) We won't be paying one month's rent AND a full mortgage payment for the month of June
3) God.
4) Family.
I hope you enjoyed this bit of cray-cray and I suggest you come back for updates!