In an absolutely fabulous twist, my mortgage company called and said the loan went though and only took THREE DAYS TO CLEAR once it reached the rural development end! This was a big worry because many others online indicated it took them three weeks and beyond.
This was both a good and a bad thing. The process took longer than anticipated overall so I had to apply for a 2nd rate lock. After this Friday, had I not been able to close, my rates would have risen from 3.75% to 4.25%. Adding to that, the sellers are leaving the country after this Friday and wouldn't have the opportunity to sign again until July 3rd! This means it's now a mad scramble to get all of my ducks in a row so I'm prepared for Friday.
Well over a month ago I called Meemic for an insurance quote. I described the house, they checked out photos, and cleared me for house insurance and gave an estimate that was fairly reasonable. (For those who don't know, Meemic is an insurance provider for Michigan educators.) From this point forward, I was counting on them. The rep I had been speaking with even checked in with me halfway through the process to make sure I was still interested. Now that I was in an emergency situation where I needed to have house insurance in place prior to moving in, of course that's when more bumps in the proverbial road reveal themselves. (Warning: this is about to turn itself into a Meemic rant.)
I called my representative and ensured we were all set. She replied, "Yes, you're good! We just need someone to take a quick scope of the property prior to issuing the insurance." That was fine, though in retrospect in thinking on how they chose their order of tasks added with people I needed to call later, I'm COMPLETELY baffled as to why they wouldn't have done this in the FIRST place when I was trying to get a quote rather than waiting until the absolute last minute. The house wasn't homestead and was unoccupied.
She called me back 10 minutes later.
"Hi this is ________________, from Meemic, we spoke about your insurance on the house...?"
"Hi. Well, when we went our person out there to check the house, it seems as though there are some issues with the house. First, there is peeling paint on the garage/barn. And one of the windows in the back of it has been boarded up. The roof is also an issue, so it seems we won't be able to insure the house."
It took the wind right out of me for several reasons. The biggest reason was that many of her "reasons" were blatant falsities. The roofs are both new. The "peeling paint" doesn't exist. How do I know this? I had an appraisal done and he wrote up peeling paint. It had to be fixed and I had to have a second appraisal ordered to make sure it was fixed. And I certainly didn't realized one boarded window on a detached barn suddenly scared insurance companies into backing out of verbal agreements.
We argued back and forth for a few minutes. I told her he must've been mistaken and gave her the same reasons I gave you here. She then began trying to chew me out, telling me I obviously, "...didn't pursue it or give her enough time". Tip: chewing me out is NOT a good idea when I have been meticulous, have done my due diligence, AND have checked in. I used some very choice words to let her know I didn't appreciate her attitude, nor her laissez faire approach towards something that was incredibly important to me. Here I am: given three days from the mortgage company to make moves, and the biggest sack of crap dumps itself in my lap. So educators? Don't waste your time with Meemic. And it IS a waste. After I told my mortgage broker what she said his reply was, "They just plain ol' didn't want to insure you."
I called several insurance companies after that but many expressed that it was just too late in the process and wouldn't be able to help me by Friday. FINALLY I was able to reach a place with a very polite and efficient woman who was able to get insurance on our house on the SPOT.
Now we're set to move forward! Our close date is Friday (tomorrow) at 2:30. I'M READY!
My dad called to let me know he was holding some paperwork for me. We chitchatted for a little while about how my house was coming along. I asked him how my grandma was doing in her rehab unit. He said she began declining again and they had her placed in home with a unit that specializes in people with dementia. He said it was for the best as the entire family works and no one can be around to care for her like a facility can.
I suppose I could agree it's necessary for her to receive good round-the-clock care from experienced professionals, yet it feels incredibly cold and uncaring to leave her wellness with those who don't know her like we do. It's difficult to see someone you love degenerate so quickly. I loved her quick wit, her ability to interject common sense in situations, and her place at the head of the family. It feels like no one leads anymore and no one stays together - we merely just bump into one another when necessary. How sad for the once-closeness of us.
In my continuing quest to find why I'm in chronic pain and why my uterus is out of its damn mind, my doctor had me get some blood drawn at a local Quest clinic earlier in the morning. They didn't make appointments so I decided it was in my best interest to get there right when they opened, hoping to avoid crowds (are there crowds at a blood clinic?), and do it before work started. I was an unwilling participant in a 12+ hour fast, yet still did it because apparently it produces the results needed.
I arrived a bit early and chilled in my car listening to NPR. Once it opened I headed upstairs and waited 30 minutes before they even called me up. She sat me in a chair and asked me to wait while she took care of a few things as she was the only one in the clinic that morning. After roughly 5 minutes of sitting in the chair, another woman arrived to help out. I thought it was a blessing until I realized through listening to their conversation that she was brand new and needed to be walked through the process before JAMMING ME IN MY ARM.
I won't go so far as to say I have a phobia of needles, but the mental hurdles needing to be climb to get through a stabbing can be substantial. I pretend to have conversations in my head with other people. I recite Peter Pan's, "Think happy thoughts!" I try breathing deeply - that should stop though because it eventually turns into hyperventilation.
She tied my arm off and cleaned it, then had me pump my fist to bring a vein out. The needle went in and I was okay. Then slowly I began getting sicker and sicker and things weren't okay. She had my sign a paper after she was done making sure I could verify my information. Roughly, oh, RIGHT AFTER, I said, "I don't feel so good...". The memories are a little fuzzy after this, yet I do remember this series of events:
1. I began falling forward. She grabbed my face while snapping her fingers. "Hey. HEY! LOOK AT ME. LOOK UP AT ME." I remember FINALLY finding her face. It uh...usually doesn't take that long.
2. She asked me the date. MARCH!! Botched it.
3. She had me stand up while I awkwardly leaned on her and had me lay on a table for another 10 minutes while covering me with cold wash cloths and ice packs. There was no getting up allowed until I got my color back in my face and lips.
So, hey, I told my work I'd be a little late but would get there between 7:45-8:00. I didn't arrive until 8:45. Best employee ever.
My dad called earlier in the afternoon to catch up before he made it home. His first question involved the house and where it was at in the process of purchase. He was surprised to find that it's barely made it anywhere. Welcome to the world of rural development loans! He also let me know that my grandma had FINALLY been moved from the hospital into a care facility that involves rehabilitation. He told me she continues to slip into having hallucinations but they are becoming less as time goes on. I really would like to speak with my mom about it (as it is her mother and she has the most info), but she hasn't answered my last 5 phone calls or responded to the email I sent. Stress from caring for your parent combined with the school year ending have a way of getting to you.
In other daily events, my boyfriend, his son, and I went to the pool today. It's been beautiful, warm, and the perfect lazy day to enjoy the sun and water. Today at the pool is when I discovered I get sun rage. I really don't know if this is actually a thing, but it should be if there isn't a pre-established label for it. Having spent about 2 hours there, I felt nothing but piss and vinegar for a few hours after. SUN RAGE. It's time to invest in a several foot wide, brimmed sun hat to keep everyone around me safe.
I continued to get updates on my grandma throughout the weekend from my brother. My mom has, for good reason, been emotionally inaccessible. She's stressed with behavior of her students this year. (To give an general idea of what she's dealing with, once a sub works in her room once, they never come back.) So thankfully he's been keeping me posted. Today he said she's beginning to have periods of lucidness right after waking up from deep sleeps. Unfortunately after a bit of time she goes back to having hallucinations. Currently, she will remain in the hospital under a 24-hour aid presence. (She continues to try and make a break for it - Granny 007.)
The house situation continues to be a pain in my royal rump. Needless to say, it's still not locked down. -Insert creative swearing- USDA loans. If you ever get USDA loan, go ahead and plan out the next 20 years of your life involving getting paperwork for it in order and sent in. And then convince yourself you don't REALLY want the house. It will help your coping with you not actually having it.
In my world of animals, my cat has been placed on diet food because he's a huge fatass. It makes me sad because I love fat, jiggly cats. But fat, jiggly cats also get fat, jiggly diabetes. I can't have that on my conscience - gotta be that responsible pet owner. This is having an effect on the entire household because he insists on waking everyone up at 5 am for food even though his morning feed time is at 6:15. My boyfriend is ready to throw him in the trash. My snake continues to eat his pinkies and lay in the corner like a gorgeous red pile of shit. (I say that very affectionately.)
Because I've packed most of my art supplies, I needed to find a worthwhile hobby to fill my time. It has turned into adding every homesteading group on my facebook. And by golly if I ever want chickens, I will know exactly how to raise them.
There really is no graceful way to end this mish mash entry. So um, over and out.
This is a space separate of my house blog. Here is where you'll find a little bit of everything. I'll try to avoid vapid posts - but no promises.