Smiling Mom

We’ve been furiously trying to refi­nance our house before our next mort­gage pay­ment is due, April 5th. This has been an ongoing pro­cess for the past three or four weeks. Yes­ter­day was the day we were to sign the loan docu­ments. Unfor­tu­na­tely, everything fell apart. Nor­mally we’ve had a notary come out to our house with papers in hand, the sig­ning takes place, the loan clo­ses and all is good in the world.

Two days ago, the com­pany called us and told us we had to come up to their busi­ness, an hour away during busi­ness hours to sign the docu­ments. Hubby was a bit anno­yed. He infor­med her that we wan­ted a notary to come to our house ins­tead, as we have…well, lives. Two todd­lers, two jobs, nap sche­du­les, hel­ping friends move, etc. She told Hubby no. Mis­take #1.

Hubby was non too plea­sed with these results and refu­sed to set up an exact time to make the trip to see her. We’d call 1 hour prior to our arri­val. The next mor­ning, Thurs­day, I called at 9:30 to ensure all was well and let them know to expect us. She, infor­med me that our len­der for our line of cre­dit had not got­ten back to her with the exact amount we owed. But that didn’t mat­ter, so come any­ways and she’ll appro­xi­mate it. Mis­take #2

Hubby did not like this, and called to cla­rify. He men­tio­ned that he was frus­tra­ted because the day before she’d infor­med him that all was com­plete and ready to be sig­ned. And now today there were still parts that were not done. And on top of it, we were sch­lep­ping two kids an hour out of our way because she refu­sed to send a notary to our house.

The lady then told Hubby that he didn’t give her a rea­son why. Had he then she’d have been more sym­pathe­tic to his needs. Mis­take #3 Hubby did not like this.… he let her know it too. “Let me get this straight,” (never good when it begins with “let me get this straight”) “I’m now requi­red to report to you why I need what I need?”

After an ear­ful she res­ponds by saying, “I feel like you don’t trust me.…”

This is not our mort­gage bro­ker we are spea­king too, but rather the com­pany the bro­ker used. That being said, we’ve never, ever spo­ken before. Trust? Ya, we don’t trust you. We don’t even not trust you. We don’t know you. This is a busi­ness deal, hello!

After about fif­teen minu­tes of this, Hubby hangs up the phone. We load up and head to her office. An hour and a half later, after get­ting lost, we finally make it to her office only to find out that there have been some glitches. Mis­take #4

Turns out that our pro­perty tax check, sent by B of A, the bank our mort­gage was through, had not been cashed by our county tax depart­ment. This imme­dia­tely halts the pro­cess. We are not able to refi­nance our loan with an outs­tan­ding tax bill. Why had she not noti­ced this prior to sen­ding us out to her office? Why did we drive 1 1/2 hours with a 2 yr old and 1 yr old just to turn back around and head home? Um, we were livid.

At home, I dealt with B of A, had a let­ter faxed to our len­der, sta­ting that the bill had been paid, just not cashed yet. So all is well. The notary is coming out to our house tomo­rrow night and we will sign papers then.

Yes­ter­day was so stress­ful that I was not able to func­tion for most of the day. I tend to shut down with extreme stress. All I want to do is curl in a ball and go to sleep. Of course, sweet dar­ling BC and eClaire chose not to take naps, so that wasn’t an option. It wasn’t until I sob­bed to my mom, later that eve­ning that I began fee­ling better.

Life isn’t all that easy. But each day gets bet­ter. You’ve gotta just to keep moving. Right, please tell me I’m right!

Stay tuned tomo­rrow! I’m par­ti­ci­pa­ting in The Blog Exchange and have been pai­red up with Gun­figh­ter. He and I are exchan­ging our best posts. I’ll have his up first thing in the morning.

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