7:30 rolled around bright and early for our final walk-through. Everything looked pretty much how we left it the last time, so we were satisfied enough and left around 8 to head to the attorney's office. Now, our settlement was scheduled for 9, but the attorney had said that he wanted us there around 8:15 to get started on our part so the sellers didn't have to sit around forever and just watch us sign papers. Hence the freakishly early start to the day.
So, signing the paperwork wasn't all that painful. My hand didn't even cramp up! The sellers showed up at 9 and signed their part of the papers and then handed over the keys. And that was that! We got a few instructions from them about the keys (5 of the 6 go to the house and the one left over goes to the garage) and the mail. They moved into a rental duplex right next door to the house. That's a little weird to us, but I suppose we will just have to get over it. It's just a rental, after all, so hopefully they won't be there permanently. So our mailboxes are RIGHT next to each other, so if we get each other's mail by accident we can just pop it in the other box. At least they were nice enough to let us know that they would gladly do that for us!
And that was that. No party music, no balloons, no popping champagne cork. It was a little anticlimactic, to be perfectly honest. I didn't really feel any different. We literally climbed in the car and said, "Well, I guess we own a house now." So we drove home (to the house we currently live in) and picked up the other car full of cleaning supplies and headed over to the new house to start cleaning! Yay, fun! Andy took a broom and swept down the walls and ceilings and I followed behind him with the vacuum. After the vacuuming was done, we rented the carpet cleaner and really attacked the carpets. They didn't look dirty because of their color, but there was some seriously disgusting water coming out of them. I'm glad we took the time to do it. We finished up around 9:30 and returned the carpet cleaner to the store with time to spare!
In the middle of the day, I had to run to town for a Non-Stress Test. Ellie was very cooperative, so I only had to be hooked up to the monitor for 20 minutes instead of 40 like the last time. Results were good - nothing to report!
Last night around dinner time, we got a call from our realtor saying that there was a problem with our paperwork. I knew it was too easy. We've hit roadbumps around every corner with buying this house, so just going in and spending an hour signing papers seemed way too easy. Luckily, it wasn't a problem with us or anything we did, but the HUD needed re-done by TODAY because of a bank error. The bank holding the first mortgage on the house gave the attorney the wrong payoff number for their portion of the mortgage. They accidentally took $4,000 more than it would have taken to pay off the mortgage, so the second bank got that much less. These numbers were off from the beginning, so it's hard to tell why they just noticed it NOW, but it should make the bank holding the second mortgage really happy to be getting that much more than they thought they would, especially since they were the ones actually taking the loss in the first place! So, we didn't do anything wrong, we just had to go in and sign a new HUD. This means that the attorney got to his office at 4:30 this morning to rewrite it and our agent got to her office at 6 to make copies for us. We got there at 6:15 (on Andy's way to work) and signed off and the sellers will sign off sometime today as well. That's a lot of extra work for a lot of people just because of the bank's stupid mistake. Like I said, it would have just been too easy to sign the papers and be done!
Our only other hiccup is that we don't have a key to the front door. None of the keys they gave us work for it. We've got our agent talking to their agent about whether or not they were forgotten or just got lost over the years, but we will probably end up changing the locks anyway. Especially since they live next door. Call me paranoid, but I just don't want to take that chance. Andy thinks it would be nice to have the garage have the same key as the house anyway. Just one more adventure of the brand new homeowners!
Today's adventures include running to town to get all of the paint we will need next week (don't worry, someone from Home Depot will carry it to the car for me!) and pulling about 10,000 nails and screws out of the walls so that Andy can start patching them when he gets home from work. After that, the guys can start painting the walls and ceilings. I think that part will make me more excited because the house will start to look different and feel more like ours.
 |
| It's hard to see because of my unwilling photographer, but here I am, using my brand new key to open the door! Too bad it was the front door and the key didn't work! |
so happy for you and Andy....love you shirt ;)
ReplyDelete