It's hard to believe that it's been so long since I've posted and so little has happened. (The last date I posted was WEEKS ago and I'm practically in the same spot. YIKES!)
The mortgage company requested my boyfriend's tax transcripts. Unfortunately I couldn't get them online, despite it being the quickest way, because some wads of crap decided it was a brilliant idea to hack the IRS. We signed a paper allowing the company to access his records. Unfortunately they submitted the paperwork with an incorrect address (the address you submit must match the address on your tax papers). Everything was kicked back and they had to resubmit our paperwork with the correct information. This is the latest lesson in the process not being as important to anyone as much as you. I thought about it later and it seemed strange that this wasn't something they thought about. They already knew we've been living at our current apartment for less than a year. Why would that be the address on file for taxes from two years ago?
The entire process has stretched me to my stress limit. I drive myself crazy with negative questions all of the time:
"What if the people get mad at how long we're taking and back out?"
"What if because we're taking so long the rate we had locked in goes up?"
"What if this takes SO LONG that we miss our close date? What if we have to extend it? What if we have to extend it PAST our move out date from our apartment?"
"WHAT IF I JUST DON'T GET THE HOUSE?!?!"
I'm surprised I don't have random bald spots on my head.
Supposedly I'm supposed to hear on Monday or Tuesday if they got the information they need so that the loan can be submitted for final approval. We'll see!
My "New" House Blog
I've never purchased a house, haven't a clue what I'm up to, but I still plan on doing home improvement projects that reflect my personality and sense of design.
In keeping with my need for record-keeping, all of my achievements and mistakes will be broadcast here (preferably more achievements and less mistakes). Hopefully this will offer insight to those trying to do what I've gone through!
I came from a family that valued education. (For the record, getting a degree in design was not part of that "value in education" piece.) I pursued my degree anyway and now am pushing towards my dream of becoming a craftsperson, using the house I'm buying as a practice run!