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New If you think this is fun, wait until the actual closing.
Suggestion: bring EVERYTHING you ever sent the mortgage company: tax returns, credit card bills, EVERYTHING.

And then add to that pile the stuff they didn't ask for: more credit card bills, loans, whatever.

Treat it like an IRS audit.

Chances are someone there will ask a question like: "Why doesn't this balance show up on such a such form, and can we see the statements for that account?"

They did at my closing. We didn't know for sure whether we actually owned the house until FIVE HOURS after we signed the papers. :-P
Regards,

-scott anderson

"Welcome to Rivendell, Mr. Anderson..."
New *cries*
you are mean. :)
"We are all born originals -- why is it so many of us die copies?"
- Edward Young
New I beg to differ...
True cruelty would be failing to warn you of this, then laughing maniacally afterwards while capering about, chortling out, "I could have told you so! I could have told you so!"

Be glad I don't care to dance about the belittlement bush. ;-)
Regards,

-scott anderson

"Welcome to Rivendell, Mr. Anderson..."
New You're right... but I'm not a strong man.
And my ability to distinguish between kindness and cruelty is not, ah, very well-developed right now.

I have spent the last hour rocking back in forth in my cube. It's very comforting. I'm not entirely sure that I'll ever stop.
"We are all born originals -- why is it so many of us die copies?"
- Edward Young
New :-D
It does get much better... the first time is a bastard, though.
Regards,

-scott anderson

"Welcome to Rivendell, Mr. Anderson..."
New ICLRPD (new thread)
Created as new thread #99257 titled [link|/forums/render/content/show?contentid=99257|ICLRPD]
===

Implicitly condoning stupidity since 2001.
New Beats my closing
When we closed on our house a few months ago, I asked for the keys from the title agent.

"Oh, we don't bring the keys to a closing. They're at the house."
"EXCUSE ME???"

"The keys are never brought to a closing, they're at the house, hidden, so you can get them AFTER you take possession.


I kid you not.

So we close, go to the house as darkness is falling, look for the keys which we were told are hidden within the circuit breaker box for the A/C units, and find that THEY'RE NOT THERE.

Go to a local grocery store to use the payphone to call our buyer's agent, who comes over with a flashlight, confirms that we have no keys, calls the listing agent at his home to bitch him out, only to get his answering machine, and lets us in with her pass key. TWO DAYS later, the listing agent calls our buyer's agent back, gives a shitload of excuses, then sends a locksmith over to rekey the house, WHICH WE PAID FOR AS PART OF THE CLOSING (it was hidden in a small paragraph on one page of the stack of papers we signed.) This was supposed to have been done BEFORE the closing, but wasn't.

We owned a house but almost couldn't get into it for 2 days. Incredible.

lincoln
"Four score and seven years ago, I had a better sig"
[link|http://users3.ev1.net/~bconnors/resume.htm|VB/SQL resume]
[link|http://users3.ev1.net/~bconnors/tandem_resume.htm|Tandem resume]
[link|mailto:bconnors@ev1.net|contact me]
     The land of idiocy and aggravation. - (cwbrenn) - (34)
         If you think this is fun, wait until the actual closing. - (admin) - (6)
             *cries* - (cwbrenn) - (4)
                 I beg to differ... - (admin) - (3)
                     You're right... but I'm not a strong man. - (cwbrenn) - (2)
                         :-D - (admin)
                         ICLRPD (new thread) - (drewk)
             Beats my closing - (lincoln)
         In my case, my loan officer knew all. - (Another Scott) - (2)
             I thought this was how the Agents *earned* that 6% - (Ashton) - (1)
                 I think the agents figure their job is done when - (Another Scott)
         You got it easy. - (Steve Lowe)
         Got you beat... - (gdaustin) - (1)
             More... - (gdaustin)
         All of that plus... - (Silverlock)
         Ooops. - (cwbrenn) - (19)
             Take it up with the Office Manager... - (gdaustin) - (18)
                 No wonder Texas *needs* a Death Penalty.. - (Ashton) - (17)
                     Real Estate independent contractors.... - (gdaustin)
                     where the f' did that come from? - (SpiceWare) - (15)
                         If Tejanos had a lick of sense... - (jb4) - (14)
                             Who is Carl Rove? - (gdaustin) - (3)
                                 Shrub's political advisor... - (inthane-chan) - (1)
                                     Minding our cees and kays - (rcareaga)
                                 G'morning Glen.... - (jb4)
                             what I don't see - (SpiceWare) - (9)
                                 Re: what I don't see - (deSitter)
                                 knee-jerk reaction, I guess.. - (Ashton) - (7)
                                     Re: knee-jerk reaction, I guess.. - (rcareaga) - (1)
                                         Credit grudgingly slathered, for consistency. cf above :-\ufffd - (Ashton)
                                     But, but, are you forgetting... - (a6l6e6x) - (4)
                                         Saw that, - (Ashton) - (3)
                                             You would be in Canada now, sending money back home - (Arkadiy) - (1)
                                                 Actually.. - (Ashton)
                                             I know what you mean. - (a6l6e6x)

The sleek race lines of an outhouse standing on a garbage scow.
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