Wednesday, June 12, 2012
A week ago today I got a text message from our realtor asking us to call the bank and check on the status of our loan and closing date. I had been contacting our loan officer practically every other day and heard little from her but when I did speak to her she said we would still be ready to close on Friday the 14th.
Come to find out, when I called our bank our loan officer was on vacation and the paperwork had gotten lost in the assembly line of people it had to pass through. Her voicemail said to call another loan officer in her department and I did but I still did not hear back from him on this day. I called the realtor and told her this information and she immediately sent a very professional email to the higher-ups stating that we needed information on our account immediately. After several emails back and forth and even phone calls between the manager of the loan account at our bank and our realtor we found out that we may still be able to close on Friday but more than likely not. In fact as it turned out after the appraisal was done around the last week of August it was supposed to go into final underwriting; however we learned that it sat on the desk of a bank employee while they were on vacation and didn't get into underwriting until September 4. Our loan officer told us that underwriting was taking anywhere from 6 to 12 business days to be complete so at that moment we knew we were not going to be able to close on Friday. Chris immediately thought this meant we would not be able to close this Friday on the and it would be more like the following Friday. I on the other hand still had hopes that perhaps we can close on this Friday maybe or on Tuesday but only time will tell.
Well this morning at 10 AM we got the phone call that we will not be able to close on Friday and it will more than likely be Monday or Tuesday of next week. But we also learned that the sellers are going to be out of town on a business trip this next week so even though we might be ready to close on Monday or Tuesday it could be as late as Friday. Chris and I immediately laughed thinking "with our luck with this whole ordeal it will be next Friday the 21st".
All of our bags were packed we were ready to go but God had a different plan so we will sit here this weekend and enjoy another weekend before the hectic life begins in the new house. I don't know why our move was delayed yet another week but God has a reason and I can't wait to find out what it is.
God is good... All the time.