This is my life right now: Commute kids to school. Get loan documents. Get more loan documents. Write. Provide more loan documents.
I have done this house buying thing once or twice in my life, but it’s never been like this. I get it, things are different now. But it feels almost violating, some random 20 something loan intern combing through the minutiae of your life’s history, eyeing you with mistrust, as if YOU’RE the one responsible for the current housing mess. While our mortgage history should speak for itself, well, it doesn’t, and in the meantime I’ve been buried under roughly 15 tons of paperwork that need to be signed in triplicate, preferably in one’s own blood, and overnighted back to whatever cavernous facility houses all these dead trees.
I also get to go on Fox 5 in the Morning tomorrow to reprise my Holiday Gifts for Pets bit that we did last year. While that’s a blast and I’m looking forward to it, it also means a last minute scramble for the necessary objects that may or may not be in storage: festive outfit; Santa hat; full coverage foundation. I care the most about the latter.
THEN I’m leaving next week to cover the AKC/Eukanuba National Championship in Orlando. I am also super excited about that, but truth be told I’ve been so overwhelmed with all this other stuff I’ve barely had time to process it. Dogs! Agility! Obedience! Where’s the business center as I have 50 more pages they forgot to have me sign I need to overnight to the title company?
This, my friends, is why I have been a bad blogger lately. Please forgive me. This process has all but sucked the life out of me, leaving me a twitchy, bloodless husk spending way too much time burying my sorrows in Peppermint Jo Jos, which is admittedly a very poor, albeit delicious, stress coping mechanism. And say a teensy prayer, if you are the type to do so, that this insane surreal journey through the looking glass of Moving in a Crummy Market that has dominated my life since MAY will be done with by Christmas, because until that happens I’m likely going to continue being a hot mess.
I freakin don’t know how you squeeze all this in anytime, much less during the howlidays! You have more energy than anyone I know!
Being a chronic insomniac helps! 😉
I’m not at all looking forward to this process in March. Thankfully the market here has rebounded, but that means we’re back to multiple offer situations with good places going for $100k+ over asking.
We sold in a market that looks like 2009 where everything was still a hot mess, and bought into a market like the one you’re describing, multiple offers and oversells. What a difference 20 miles makes. Pretty much the worst of both worlds.
Just went through it. I’ve owned 2 homes before this one and it was never this bad! The red tape these days is unbelieveable. And those 50 documents they forgot to have you sign? Same thing happened to me. They forget but you have to rush to get it to them immediately. It took 5 months to close on my house and it wasn’t even a short sale! Add to that losing my house in a fire last December, fighting the insurance company for nearly 6 months, moving cross-country, and my dog and I living in motels until we finally got our house last month. It’s been unreal! Good luck going through the process. I hope you get into your new home sooner than I did.
Hang in there Doc, you know we’re all rooting for you. And if the posts are a little slim, hey, we’re a little busy ourselves so maybe we don’t get here as often as we’d like. And they prayers? Those are a given. Travel safe & have fun. AND a special shout out to your hubby who, I’m sure, is picking up the slack. He must be a GREAT guy, you picked him after all, right?
My prayers are there for you and your family. It can be all such a headache paperwork and more paperwork and when you think your done more PAPERWORK. It will end soon and you’ll have your home. Merry Christmas to you all!