Well, it was all going along a little too easily, wasn’t it? The mortgage company wouldn’t return my phone calls for five days after I received an email from them asking for things that I didn’t understand. Finally – the day before we’re supposed to close – I called someone else at the mortgage company. He tells me that he’s going to get with the loan processor and call me back. They call me back together and tell me that they need a letter from the IRS stating that we’ve complied with a little *ahem* problem that my husband had. Now, we have complied, but I told the loan processor that the IRS wouldn’t respond by closing. She told me that a letter of explanation from my accountant would be sufficient. Apparently she was speaking out of her ass.

So now, instead of standing up like a grown up and saying, “We screwed up, here’s what we need from you”, she decided to hide. Nice, huh? So, the closing has been postponed until we have that information and they’re acting like they’re doing us some big favor in selling us a house. Here’s what they don’t know; I know how bad the market is, I know that they haven’t closed a deal since last December, I know that in order to stay in business they need to close deals, sell houses and write business. I also know that I’m not closing at a rate higher than 5.875. Also, I know that they need me way more than I need them (see below).

Yesterday, a friend of mine (who shall remain nameless), pulled up the listing of foreclosures and pre-foreclosures in my zip code and quite honestly, if Maronda and MFC don’t want to close on this house with me, I’ll buy one of them. So really, it’s all good. One way or another, I’ve gotten an education, I know that I’m a better risk than I thought I was and we’ve taken care of some outstanding things that were really in our way, but we were too frightened to look at. Now those things are all taken care of and we’re ready for the next level, whether we do it on this particular house or not, it really doesn’t matter.

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