Friday, June 10, 2016

Comedy of Errors (aka: buying a house)

There is a reason I've said there are two things you do AFTER you have forgotten what they were like the last time you did them....  1) having children and 2) buying a house.

I've found a home that I truly fit with and love and am set to close on Monday (June 13th, 2016), but it hasn't been a road without many twists and turns and bumps.

Here's the road to home ownership this time around:

Find house I like, make an offer.
Buyer goes with ANOTHER offer.
Two weeks pass.
The other offer withdraws, and the seller contacts us to see if we are still interested.
Make offer.

Take loan against retirement:  should be 3-5 business days.
2 weeks later: contact lender who informs me that they have sent it back to my retirement account. Contact retirement.  They need a picture of a check.
Send picture.
1 week later... contact retirement.  They say they will transfer the money electronically.
2 days later, still no money.  Contact retirement.  Check is in the mail.
2 days later... check arrives.
3-5 business days = 1 month apparently.

List FSBO on Facebook and  Asking $218,000.
Several interested... no offers.
3 weeks later, contact Uncle Clayton to have him put it on the MLS.
30 minutes before he arrives, a CASH buyer shows up and makes an offer.
$206,000.... which is about what I would have taken away from a real estate offer through the MLS.
Accept offer.
After the inspection, buyer has ~$9000 in repairs she wants to do in order to buy the house.
$197,000 offer.
Counter with $199,000 if I do some repairs and leave the washer and dryer as well.

Find out through title search, H's name is on my deed.
Talk to several attorneys and real estate people... no one seems to know how to deal with name on deed, no longer alive and his bankruptcy... all in the same package.
Hire probate attorney.  $500
Attorney contacts Fraser's to see if they will act on H's behalf in signing his portion of the deed.
No go.
Pay $360 to act as signor for deed on his behalf.
10 days later, judge accepts my request for probate.
Title company won't sign off on deed, even with probate, with H's bankruptcy not taken care of.
Vaguely recall seeing something in the mail about the update on his bankruptcy.
Didn't submit 2015 taxes to the BK trustee... if not submitted by 5/31/16 then BK to be dismissed.
Wait until the day after 5/31... email BK trustee.
BK dismissed.
2 days later, letter in mail showing such.  Take picture of letter and submit it to the title company.

All going well until the week before closing.
Because of amended return in 2015, the numbers aren't matching up.
Lender needs transcript of amended return, suggests going into IRS.
Call IRS.  Appointment available on the 17th... days after our house is supposed to close.
Beg for closer appointment.  June 10th.
Ask about transcript for amended return.  Informed that once filed with them, it will take 16 weeks to process and get a transcript.
Call lender.  A stamped submission of amended return will do.

Here we are.  Set to close on both homes in 3 days.  Monday, June 13th.
It's been a crazy road.... just enough to make me crazy and lie awake at night with my mind racing wondering how to fix things.
Some pretty amazing blessings along the way.
*Been able to get the garden in at the new place, even though we aren't there yet.
*Have an amazing uncle who has been my support this entire time.
*Thankful for tax transcripts not being submitted so that the BK could be dismissed.
*An amazing partner in crime that has listened to me cry, whine, complain and celebrate.

Now for the best part... (NOT).


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