I don’t know WHAT my problem is. My days of being cool about this whole buying a house process…OVER.
This morning, I had a freak out of mass porportions starting when my husband emailed me asking to call the mortgage company and lock in our interest rate.
No biggy. I called and talked to Cindy, who mentioned that they tried to send the appraiser over to get the appraisal, and he was told they couldn’t do it until the tax stuff was straight. My red flags went FLYING. I FREAKED. I call the boy and between breathing into a paper bag, asked him to repeat WORD FOR WORD his conversation with our agent about it. We signed a paper yesterday stating the seller agreed to pay of the commercial tax debacle, and we would pay half.
The commercial real estate debacle for those of you who aren’t aware. The house is now zoned commercially because it’s being used as a business ( a treatment center ) theoretically, we were supposed to be able to switch it to homestead as soon as we were living there. The seller agreed to pay the difference between commercial and homestead in 2008. When I called the county, the said we could do that but it wouldn’t change the tax rate until 2009. That’s a problem, because commercial taxes are MUCH higher than real estate. I called my agent, who had already called the county and found this out. She assumed the seller knew, and that it wouldn’t be a problem. She called and found out the county had told him differently and it was a problem. The seller didn’t want to pay taxes on a place he hadn’t owned for a year or more. Our real estate presented it to us, that because we were getting such a good deal on the house we should just eat it. UM NO. We pushed back, stating that the agreement we signed stated he would pay the difference, and legally he has to pay it. We don’t have that kind of money LAYING around, and it’s the principal. He should have figured this out, and sold it in time to avoid. She talked to their agent and they agreed since technically it is not his fault, nor ours…it’s THEIR’S, that we should each pay half. The boy and I reluctantly agreed, since we’re nice. Now we’re just waiting for him to agree. Otherwise we can sue him. Which we don’t want to do.
Anyway - back to the story. So the boy is telling me what she said. I said, “Did she and the other agent decide this and they still have to ask him, or is it a done deal?” He says, “They haven’t told him yet, he’s in Utah for three weeks.” I panic. Them not letting the appraiser in makes me think something is wrong. So he calls our agent back, tells her, “My wife is peeing herself…what’s going on?” Turns out they both kept the appraisal on hold due to the fact that if we were going to have to pay the whole thing, we’d have to use a different bank for our mortgage since Ted won’t do it. (Sidenote: Ted is our AWESOME super cool mortgage guy, who told me, “Don’t you DARE pay that. That’s not something you should pay.” Then he threw his weight behind it in order to force the seller into agreement. I lurve him. He is on our team.) If we used a different mortgage company, then we’d have to pay for a second appraisal, and that money is money out of our pocket. She’s confident he’ll sign because, otherwise he’d face a lawsuit.
I don’t like this part. It feels icky. This is why we walked out of the 2nd offer, because the people were being weird like this. Now we’ve invested too much to walk out, but I don’t like compromising good character for business purposes. Plus we have to meet this guy at closing.
SO I’m not going to feel okay until that sheet gets signed, but she promised she’d call ASAP.
SO THEN the mortgage company sends over our paperwork. Thank God for email or we’d be killing trees by the forest. The closing costs are ASTRONOMICAL. No problem. The kind of mortgage we have, the seller pays it. HOWEVER the amount is $650 over the amount negotiated.
I checked out all the fees, and from what I can tell they are all legit. It’s just frusterating. My husband specifically asks everyone if there is going to be any more checks to write, each time we have to write one. They say no, and now we’re going to have to write ANOTHER one at closing. I’d rather put that money into the house. Or in my savings account.
At first when I looked at the fees I thought it was over. I saw that amount, and it made my blood run cold. I just forgot what we were doing for a minute.
This is the craziest ride. BUT I’m thinking I’m just freaking because I just want it to all be wrapped up and smooth so that I can wait my 30 days and move into my house. We’re so excited about it and everything it means for us. I think I just realized I don’t want to deal with another heartbreak. And with AF not showing up, even though I’ve been off the provera for six days…I’m scared.
Scared that I’m not going to get pregnant. That I’m not going to get to live in our house. Scared that it’s out of my hands, and that life has been crappy in that department before now. I’m scared that I started hoping again, and scared that I’m setting myself up to lose.
I think terror is the more appropriate word. I’ve been thinking about Grant’s party last year, when we were thinking about this year and the baby we’d have. We won’t have him. We won’t have her either. And it breaks my heart all over again each time I think about it. I know that milestones are going to induce the grieving process again, and I just thought I would be more solid than I feel. I thought I would be pregnant. I thought I would have it all figured out.
I guess I have to learn to let it go. I just don’t want to.
