The loan closing...

I cannot believe it, but the bank pulled through at the very last possible second, and we were able to close on our new loan last night.

Nicole from our branch called me, and gave me the phone number for the manager of home loans (in Chicago). I was supposed to call him to confirm a closing time. I asked for 4:00 and he assured me that was plenty of time to get the documents.

The notary called to confirm the time, and I asked her to call me when she got the documents so she could tell me what the numbers were. She called at 3:00 to let me know the payoff amount--and guess what it was STILL the wrong number! So then I had to call the bank and they had to scramble to get everything done by 4:00. At 3:45 I called the bank to find out if we needed to show up or not, and the e-mail with the corrected documents had just come through. They told us to be there at 4:00 as we planned.

So, we were finally able to sign on the dotted line! I've already started writing my letter of complaint. I'm glad I blogged some about this whole fiasco so I had the dates already documented.

Loan closing back on...

...yeah right! It's supposed to be at 4:00 this afternoon, but we just found out the pay-off amount is the same as it was the other night (and it was wrong then so I don't know why they think it's okay again?).

More about our closing...

I can't believe I didn't write about our loan closing! We STILL haven't closed! We went to the bank on Monday afternoon to sign. We were cruising along signing everything, but realized that the payoff amount for our other loan was $5000 off! Then, after digging through the rest of the paperwork, we found the loan amount was wrong, too! So in the middle of having signed a bunch of papers we had to stop.

So then on Tuesday, I didn't hear a word from anybody at the bank. I called at 3:00 to find out the status. At 3:20, I got an E-MAIL from the loan officer who said he's "working on it" (I guess he's too afraid to call!).

So yesterday rolls around, and I didn't hear a single word out of anybody at the bank. When BGR got home, he marched up to the bank and complained and told them we're ready to close our accounts and move elsewhere. And that if they can't do the loan for us if they will just COMMUNICATE that to us instead of US having to initiate all the communication!

What a complete and total fiasco this has been.

Guess what we DIDN'T do yesterday afternoon...?

Loan closing... 2:00 yesterday afternoon... ha! ha! Can you believe it was canceled AGAIN! And get a load of this: we were confirmed for 2:00 yesterday afternoon and had a notary (Becky) assigned to us. We were supposed to be at the bank branch right down the street from us. Well, at 11:00, I got a phone call from another notary and she was waiting at the bank for us. Huh? Turns out the 2:00 appointment was canceled and rescheduled for 11:00 (but nobody bothered to call and tell me this, which wouldn't have mattered because BGR couldn't make it at 11:00 anyway--which is why we wanted to do it at 2:00).

So... everybody got back on the same page, and we were on for 2:00 yesterday afternoon. Then 1:45 rolls around and the phone rings, and guess what? The paperwork never has arrived from the corporate office, and we can't close at 2:00 so the loan officer will have to call us back just as soon as it arrives.

And 5:00 rolls around... phone call comes in: paperwork never arrived, can we do it at 8:00 this morning if he can get the paperwork? He'll have to call us back and let us know if he got it or not. Currently, it's 8:10, and we haven't heard a word from him. The bank branch doesn't open until 9:00 this morning anyway so I'm not sure how he planned on us signing at 8:00.

BGR's p.o.'d. He just left (which made ME p.o.'d because he leaves me here to make excuses for him--granted he'll only be five or ten minutes away, but it still aggraves me).

The Scheduler Called Back...

So the scheduler (Tamika) just called back to confirm our closing tomorrow afternoon! Yay! I think everybody's on the same page now!

The loan closing saga continues...

So the loan officer guy calls me back again, and told me we were closing at 8:00 last night at our house. He scheduled that without asking us, and guess what--that WON'T WORK FOR US!

So he wants to know when I good day/time would be, and I told him I'd have to call him back because I needed to see when BGR could leave work again but he wasn't home for me to ask. I tried calling BGR, but he didn't answer the phone. So I called the guy back and told him BGR works a partial day on Friday and could we schedule it for 11:00 on Friday morning. Then BGR calls back, and GUESS WHAT? He has a meeting at 11:00 on Friday morning and can't make it then.

So I had to call the loan guy back and tell him to schedule it for later in the day on Friday.

So THEN... a woman called and said she was confirming the closing at 8:00 last night, and I told her NO that time was arranged without asking us, and it just wouldn't work for us and that I'd spoken with the loan guy about rescheduling for Friday afternoon. So SHE was the scheduler and she could put us down for that time.

Meanwhile, the Notary lady called and said she was confirming for 8:00 last night and I told her NO THAT HAS BEEN CANCELLED; that we were rescheduled for Friday afternoon.

So, guess what? The scheduler (the SAME lady!) called AGAIN to confirm the closing at 8:00 last night because we were "already in the computer and she couldn't reschedule it for Friday afternoon." So I told her everybody could be here at 8:00, but we wouldn't open the door to sign. Well... she said she'd already spoken with the notary lady and confirmed it with her. So I said I'd also spoken with the notary lady about 5 minutes ago, and she now knows it's NOT at 8:00 last night and that it's Friday afternoon. So the scheduler asked me to call her (the notary lady) back "because I lost her phone number" (yeah, right). I didn't call her back, though, because I'd spoken with her 5 minutes earlier.

What a fiasco!

When to say "that's okay" and when not to...

So... we refinanced the house (or at least we're TRYING to refinance the house). We were supposed to close on Monday at 3:00. Well, we got a phone call that the documents never arrived and we'd have to reschedule for today at 3:00. So, I called this morning to verify we were still on and have been waiting on a return call all day long. Then at 2:24, I got a phone call from the notary saying that the closing had been canceled. So, I called our loan guy and left him a pissy little voice mail that I wasn't very happy finding out at 2:24 BY THE NOTARY that the closing had been canceled and not from him.

So then he calls me back and is trying to reschedule, and he finally said "sorry for the inconvenience"--at which point I know he wanted me to say "that's okay," but doggoneit it's NOT okay.