Homeless
We no longer own the place we live in! We still have possession for a couple more days, but the title is now in someone else's name. We haven't closed our new place yet, but that should happen tomorrow. If I were working at my firm right now, they probably would have handled all the transfers for me at cost, but since I don't know the real estate associates or paralegals, it didn't feel right popping in and saying "Hey, I know y'all haven't seen me in months, but anyone got some free legal services for me?"
So we hired a solo practitioner - he's great and very detail-oriented, but he does seem to operate in a bit of panic mode at times. A few days ago he called at about 4:30 to tell us our insurance agent hadn't been able to secure insurance for our new place (without which the mortgage company will not give us any money). By the time we got the message at 5:30 the insurance agent and the lawyer had gone home so D and I had a white-knuckle evening before finally sorting out the next morning that in fact all our insurance was in place and the paperwork just hadn't been sent to the lawyer.
That scare was topped by today - I was awoken from a very pleasant nap to hear his voice on the machine: "NOT a good time to not answer your phone. We have a problem with your mortgage." I called him back to find out that we just had to sign a few things because we changed our amortisation period. (We will still pay it off as if we are amortised for a shorter period, but this way if there is another mat leave, or lay-off or something in the future, we can reduce our payments for awhile.)
Then he says "Oh, and the mortgage company hasn't sent the money in from your sale yet, and if it's not here by now, it's not coming, so we won't be closing tomorrow." My heart barely had time to jump into my throat before he says "Oh, er, wait, actually someone just dropped a FedEx off on my desk and the money's here." Um, yay?
To get the revised documents signed in a time frame that wouldn't give my lawyer a heart attack, I had to wake up LM from a nap, which as the mother of any crappy sleeper will know, is an extremely painful thing to do. It was made doubly painful by the fact that he refused to nap yesterday and was awake ALL day with the exception of a 40-minute period around 3:30pm. And he was out so cold when I woke him - not even flinching as I pulled off the covers or turned on the light.
So anyway, let's hope there are no more panics before tomorrow; if not we will be home-owners and house-owners! We will have a backyard, and a screen door, and a family room, and stucco, and front steps and a shed. Hooray!*
*This hooray does not constitute an official self-congratulations. The hooray described in this document is subject to restrictions and congratulations must be offered only in compliance with these restrictions.
So we hired a solo practitioner - he's great and very detail-oriented, but he does seem to operate in a bit of panic mode at times. A few days ago he called at about 4:30 to tell us our insurance agent hadn't been able to secure insurance for our new place (without which the mortgage company will not give us any money). By the time we got the message at 5:30 the insurance agent and the lawyer had gone home so D and I had a white-knuckle evening before finally sorting out the next morning that in fact all our insurance was in place and the paperwork just hadn't been sent to the lawyer.
That scare was topped by today - I was awoken from a very pleasant nap to hear his voice on the machine: "NOT a good time to not answer your phone. We have a problem with your mortgage." I called him back to find out that we just had to sign a few things because we changed our amortisation period. (We will still pay it off as if we are amortised for a shorter period, but this way if there is another mat leave, or lay-off or something in the future, we can reduce our payments for awhile.)
Then he says "Oh, and the mortgage company hasn't sent the money in from your sale yet, and if it's not here by now, it's not coming, so we won't be closing tomorrow." My heart barely had time to jump into my throat before he says "Oh, er, wait, actually someone just dropped a FedEx off on my desk and the money's here." Um, yay?
To get the revised documents signed in a time frame that wouldn't give my lawyer a heart attack, I had to wake up LM from a nap, which as the mother of any crappy sleeper will know, is an extremely painful thing to do. It was made doubly painful by the fact that he refused to nap yesterday and was awake ALL day with the exception of a 40-minute period around 3:30pm. And he was out so cold when I woke him - not even flinching as I pulled off the covers or turned on the light.
So anyway, let's hope there are no more panics before tomorrow; if not we will be home-owners and house-owners! We will have a backyard, and a screen door, and a family room, and stucco, and front steps and a shed. Hooray!*
*This hooray does not constitute an official self-congratulations. The hooray described in this document is subject to restrictions and congratulations must be offered only in compliance with these restrictions.
posted by grass @ 12:26 PM
1 Comments:
At 10:27 PM ,
linds said...
I bet you are excited to get into your new place! Can't wait to see pictures of it. I hope your lawyeer will settle down a bit so he doesn't give both of you heart attacks!! Yeesh!
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