Hi all! So, my attitude isn’t as cruddy as before – so no need to be scared off. 
I was just quite irritated with the whole day.
The thing is, the bank (aka the seller of my house) doesn’t really give a crap about me. They don’t care that we have had today set as my official close date for over 3 weeks. They just don’t care. They don’t answer to “clients” since the house is bank owned. They have no actually people on their end hollering at them to get this done. It’s just me, my realtor, and my loan officer telling them this has to be taken care of. They don’t care. They don’t care that I had everything planned out with my close date being today. We were supposed to be over there tonight, taping everything off so we could begin panting tomorrow night and finishing by Friday. They don’t care. We have a moving truck reserved for Saturday – that, if we have to cancel, we still have to pay for. They don’t care about any of that.
So, here’s how the whole mess started. From the start, we (my realtor and I) knew we were going to use Title One to close my loan. Lennae (my realtor) and Matt (my loan officer) have used Title One on several occasions and have had good experiences. So, that’s what we were going to do. Well, right off the bat the bank (sellers) had an issue with us not using their title company to close. My realtor and the bank had a few choice conversations about this and to OUR understanding, the bank finally just gave up because they can’t MAKE us use their title company. So, we thought we were in the clear. That is, until last night at my final walk through. Lennae was there and apparently, they needed me to sign some document saying I was going to use Title One and that I would incur any “escrow fees” and that the sellers would not pay those. The funny part. When my realtor asked them WHAT those fees would be – no one knew. All they knew is they were going to pay for them. Okay.. that’s kind of weird we all thought. So, I was ENSURED by my realtor and loan officer that they would still be paying ALL of the closing costs they agreed to pay and that I wouldn’t have to bring any additional cash to closing above what was already agreed upon. Okay, fine. So LAST NIGHT, I sign this stupid document. Mind you – were were only given this addendum yesterday, late afternoon.
So, today, AT CLOSING we find out that the addendum I signed last night (since they just gave it to us yesterday) needed 48 hours to be processed. Nice, huh!? So, they give us this document to sign, fully knowing it needs 48 hours to process, yet, they give it to us about 18 hours before closing is scheduled. ASSHOLES! (opps! Sorry, that slipped) It’s just so completely ridiculous.
So, me, my mom, Lennae, and Matt sat at Title One today for 2 hours hoping things would come together…. obviously, they didn’t and we have rescheduled to close at 12:30 on Friday. Which just puts a kink in all my plans… since, I wasn’t going to tell you guys since I’ve had bad luck lately, but I have an interview scheduled on Friday at 11am – so now I have to reschedule that and I just think that makes ME look totally irresponsible to my potential employer. I just hope they understand that this was out of my control. Because, if we don’t close on Friday and close on Monday instead, 1)we lose money on the moving truck, booked for Saturday and 2)I have to pay the entire month of November’s interest whereas if I close in October, I don’t.
It’s basically all just a big mess. And I don’t blame you if you’ve skimmed this entry – I just need to vent and this helps.
Moving on to WEIGHT LOSS RELATED NEWS – I am a stress eater – big time! Why, oh why, can’t I be one of those people who LOSE their appetite when they are stressed out? I’m totally not. Not fair. I ate too much at dinner tonight when Adam brought me out AND I haven’t tracked my calories today…. at all. If I had to assume, I would guess I’m right around maintain weight calories for today (2,000 cals.) – since I didn’t eat much else today besides dinner, but it’s still not the greatest. The sad thing…? When Adam said “Okay, I’m bringing you out to dinner to make you feel better, where do you want to go?” I CLEARLY remember thinking, “I’m mad, food isn’t going to make me feel better” – but I ate away the pain anyways (hahaha, I’m so dramatic) Why do I do that? I completely recognized that food wasn’t going to fix things and that closing would STILL have not happened… but I ate (and ate) anyways. Grrrr… hopefully I get better with that over time.
I am assuming I will gain slightly this Friday, but I can’t be sure – I have been trying to be really good about staying away from my scale (I have “cheated” a bit, but not nearly as bas as I was before). So, who knows, maybe I won’t gain, maybe I will. In the big scheme of things, a gain this week won’t ruin my whole effort. This is an on going thing. I will gain some weeks. I will lose some weeks. I just need to lose MORE than I gain. That’s the theory, right? Haha
Well my dears, there is the long story. I’ll keep you in the loop about what happens on Friday (of course!) Have a super fabulous night – I’m going to go catch up on your blogs now. I’ve been having withdrawals!
xoxo
Lindsay
PS – Thanks for letting me vent.
