The drama

Moving is hard work and while we have made significant progress, we still have a ways to go.  

Wanted to post about the drama that happened around closing before I forgot.

We had issues with the appraisal not listing us on a private road and this was threatening to make us close late.  Since we were already scheduled to close on a Friday, it would have pushed us to Monday which would not work with my husband's schedule at all.

We were told if it did not all come together by 3pm Thursday it was not going to happen.

2:30 PM after several back and forth calls to the appraiser (I even called her to help her understand our dilemma and she got it done!) I got the call that we were cleared to close.   Whew!

Friday morning and we are half packed and ready to go, as we are driving to the house to drop off the rental truck, I get a call from my lender saying we needed to bring $147 certified funds to closing.  Say what?  We were supposed to be getting over $3k back!!!  We bank with an online bank and I tell him is impossible to get a certified check so he gives a lender credit to cover it.

We get to the closing table resolved to not let anything ruin this day and she clarifies what happened.   The taxes were overestimated by a lot so after closing we just need to call and have it adjusted or something to that affect.   We will get the overage back from our escrow account.

Whew.

We verify our rate of 3.375% but because the taxes are overestimated or payment is higher.  Should be ready enough to deal with in a few weeks when we are settled.  First payment isn't due until Oct 1.

She sends everything off and goes to get our keys.   We sit impatiently waiting to get out of there and get unpacking... well wouldn't you know our keys aren't there???

And all of RH is at a company picnic??

So off we go to the corporate office where one person happened to put our keys aside.   Just one extra annoying stop. 

After that we were home free and stopped by the HOA to grab our pool pass and gate clickers.  

All in all a good experience but it just felt so frustrating that our keys weren't there after the mess that happened the day before.