topic Re: Anyone ever pull an all nighter? in Mortgage Loans

Anyone ever pull an all nighter? (Update) - :(

MovingForward_2012 — Sat, 26 Jan 2013 15:39:03 GMT

I just did. I've been up since 7:30am yesterday morning.

I just finished satisfying the whopping 13 conditions in my loan commitment letter and printing, signing, and faxing more documents. My LO said if he gets the final docs by today, we will close on Jan 30th! My UW just finished reviewing all the documents that I sent her, and instead of coming back with an approval, she wants MORE documents! This is round 3 with the LO and UW. She said once I provide this last set of documents, my file will go to CHFA, the second UW, for approval. Now I am starting to get worried that we won't close by the end of the month.

My stupid landlord is starting to get hostile by text messaging me stupid stuff today like "leave the door unlocked at 4 pm on Jan 31st"...not with my belongings in it I am not, and you are not welcome as you are individual who is threatening to throw out our property. Why in the world would I leave the door unlocked for her to come by at 4pm on Jan 31st. I told her, close, move out, and final cleaning after move out THEN transfer the property as vacant! I tried to negotiate with her like my lawyer told me to and she just got more unreasonable and just plain nasty. I told her the max that I will stay after Jan 31st is SIX DAYS with PRORATED RENT! She tells me, she needs to get the house sold...trust me it isn't going to move any faster if I weren't here those measly 6 days. All this, because I want to live in a different house! She has no valid cause to evict me. My lawyer thinks the judge will look at this as ridiculous considering my long track record of always paying her on time for 3.5 years and the fact I am only living in the house until I close. This woman is insane and she is trying to make me insane. And I tell you, I might just get there with this woman. After her stupid text messages, I told her to not contact me directly anymore and direct everything to my lawyer. She says, "Excellent!, I will forward his contact info to my lawyer". Stupid &$%*&! So she is heading to court to get eviction papers and by the time she has them, I will be gone but my lawyer and I will be in court on the day she requests it...Believe that! And, if my legal costs for all of this exceed $1500, I am going all in like poker to fully sue her for damages! She has caused so much more stress and inconvenience than I can even talk about on this forum and I have been dealing with it every day while my number 1 goal is to get out of her crappy house!

And so, on the other side in mortgage land, I will be up again tonight gathering more documents if I can stay awake. My UW wants an image of the 401K check and I just got back from checking my PO Box and it is not here yet so I am not sure what to do about that. Just so sick of documents! I swear I have already dealt with 200 pages of documents already! Ugh! So frustrated with it all! And in the middle of all of this is my little boy whom I am trying to shield from this. It makes me sick that there are so many money hungry people out there that will do anything to try to rob you. If we actually close on Jan 30th, it will be a miracle. But it isn't looking like it. Because today is Friday, I fax over the docs tonight and they sit there until Monday, and then they go to CHFA. They are saying CHFA takes 4 days to approve so that will fall on a Friday as they probably won't begin looking at it until Tuesday. So where does that put us? In February! Just "great!" :(

We did the 4 hour walk though and new home orientation yesterday. When we drove up, they were power washing the outside of the house...i didn't know they do that!I was surprised at how much builders care about your satisfaction. We were told to mark even the slightest imperfections in the paint or drywall with tape. The contractors are coming in all next week to fix all the taped items and the issues my inspector noted and then sometime late next week they will hold the final walk through to view the workmanship of the repairs and then we sign an acceptance document. After that is closing and we get our keys!!! :-)

Now I am in that gruesome waiting period that everyone talks about. I think I will get some sleep before my son wakes up for school.

If you are looking at a new home construction, I highly recommend Lennar. They are our builder and they truly live up to their motto, "Lennar Cares!". Their website is Edited

Sorry but had to edit that direct link due to advertising. Also had to use read since you're using my normal blue. :)

Re: Anyone ever pull an all nighter?

StartingOver10 — Fri, 25 Jan 2013 13:04:51 GMT

Lennnar is a good builder. I bought one of their homes in 2003. Stay on top of the repairs of the punch list.

Re: Anyone ever pull an all nighter?

MovingForward_2012 — Fri, 25 Jan 2013 17:32:23 GMT

Yes definitely. They told me they will schedule an in home meeting 75 days after we move in to collect the punch list and schedule for any issues to be resolved. They said if it is something that can't wait 75 days, to call them and they will take care of it.

I'm definitely glad to hear of another satisfied customer such as yourself. Thanks for sharing! :-)

Re: Anyone ever pull an all nighter?

OilFieldEngineer — Sat, 26 Jan 2013 00:02:17 GMT

I was going to buy from Lennar but ended up with Highland homes. So far I am impressed by Highland but everything I have read about Lennar is they are the BEST for customer service. Hopefully Highland will do the same.

Re: Anyone ever pull an all nighter?

tooleman694 — Sat, 26 Jan 2013 00:54:24 GMT

Yeah Lennar is a great, and I like how they do not nickle and dime you like Highland does..

However Highland walks on water, they are probably the best buidler on the planet..

Re: Anyone ever pull an all nighter?

OilFieldEngineer — Sat, 26 Jan 2013 00:58:54 GMT

Thats great to hear I will update after I get moved in I did a walk prior to leaving the country for work and my mom and gf are going to do the final and highland was nice enough to put a 60 day clause in to allow me to perform a walk through after closing when I returned and they would fix anything I noticed that was not to my satisfaction. Its kind of nice my mom is doing a POA close for me and both my mom and gf are overseeing movers all I have to do is show up when I return back to the US from work. Well that and pay for all of this and I am sure treat them to an afternoon at the spa and nice dinner lol

Re: Anyone ever pull an all nighter?

tooleman694 — Sat, 26 Jan 2013 01:02:13 GMT

Since your building with Highland, what part of Texas are you in.

Re: Anyone ever pull an all nighter?

OilFieldEngineer — Sat, 26 Jan 2013 01:07:25 GMT

North of Houston area called Spring, Texas

Re: Anyone ever pull an all nighter?

tooleman694 — Sat, 26 Jan 2013 01:11:25 GMT

Oh cool!!

We are in north of DFW, Prosper TX.

Re: Anyone ever pull an all nighter?

StartingOver10 — Sat, 26 Jan 2013 01:15:56 GMT

Hummm, one of my daughter's is in TX too - Austin area.

Re: Anyone ever pull an all nighter?

tooleman694 — Sat, 26 Jan 2013 16:12:35 GMT

Austin is a cool place, its a bit more pricy area in TX to live in. FHA limits are higher though.

Re: Anyone ever pull an all nighter? (Update) - :(

tsu1112 — Wed, 06 Feb 2013 02:30:54 GMT

Did you use Lennar's in house financing or an outside source?

Re: Anyone ever pull an all nighter? (Update) - :(

MovingForward_2012 — Wed, 06 Feb 2013 15:45:18 GMT

I used Lennar's in house financing through UAMC. :-)

Re: Anyone ever pull an all nighter? (Update) - :(

tsu1112 — Wed, 06 Feb 2013 15:47:55 GMT

I just signed contract on a Lennar and am deciding whether to use their financing or navy federal cu.

Re: Anyone ever pull an all nighter? (Update) - :(

MovingForward_2012 — Wed, 06 Feb 2013 15:52:18 GMT

I went with Lennar's in house financing because I got $15K in lender credits by doing so. I initially was going to go with a Broker but switched to UAMC for the incentives. Did Lennar offer you any incentives?

Re: Anyone ever pull an all nighter? (Update) - :(

tsu1112 — Wed, 06 Feb 2013 15:58:12 GMT

They will pay loan origination fee and title policy. Nfcu pays 2500 closing costs with a 3.375 interest. Not sure of interest rate with Lennar.

Re: Anyone ever pull an all nighter? (Update) - :(

MovingForward_2012 — Wed, 06 Feb 2013 16:04:00 GMT

I was going to get 3.125%-3.25% with Lennar but I went through CHFA as well to roll my downpayment into a second mortgage. CHFA's interest rate is 4.125% for that program. Lennar is doing the loan but CHFA (our housing authority) is servicing it for the life of the loan and they required higher interest. My total closing costs are $8000 and Lennar is paying it all and they dropped the home price $5K.

Re: Anyone ever pull an all nighter? (Update) - :(

playboy — Wed, 06 Feb 2013 17:09:48 GMT

MovingForward_2012 wrote:
I went with Lennar's in house financing because I got $15K in lender credits by doing so. I initially was going to go with a Broker but switched to UAMC for the incentives. Did Lennar offer you any incentives?

So you also went through UAMC? So did I. That's the only way that I could get the 10k towards closing. I still have to bring $2k in prepayments to my closing later this month. My file is currently sitting at USDA in FL waiting for there conditional approval. Lennar gave me $10k towards closing, they gave me a credit for the upgraded kitchen package and the garage door opener. That package is worth $7,500. The house was also discounted by $12k. The first home I looked at in another Lennar development, the sales guy was not giving credits on the upgrades. One couple walked in there the day I went in and bought $30k in upgrades. Finally, when he found out that I was looking in another Lennar development he offered the credits, but I decided to go to the other development anyways bc the overall costs were lower. He still got the sale.

Re: Anyone ever pull an all nighter? (Update) - :(

MovingForward_2012 — Wed, 06 Feb 2013 20:25:19 GMT

Yes I am going through UAMC. I also had to switch to get the lender credits from Lennar. I wonder if they only give credits if you walk-in with a preapproval from another lender or are thinking about another community. It seems like the lender credits are there to win business. Good for you for looking around at other communities to get your credits. That is why our homes are so similar...you're getting a Lennar home too! :-)

Re: Anyone ever pull an all nighter? (Update) - :(

p- — Wed, 06 Feb 2013 20:48:44 GMT

MovingForward_2012 wrote:
I just did. I've been up since 7:30am yesterday morning.I just finished satisfying the whopping 13 conditions in my loan commitment letter and printing, signing, and faxing more documents. My LO said if he gets the final docs by today, we will close on Jan 30th! My UW just finished reviewing all the documents that I sent her, and instead of coming back with an approval, she wants MORE documents! This is round 3 with the LO and UW. She said once I provide this last set of documents, my file will go to CHFA, the second UW, for approval. Now I am starting to get worried that we won't close by the end of the month. My stupid landlord is starting to get hostile by text messaging me stupid stuff today like "leave the door unlocked at 4 pm on Jan 31st"...not with my belongings in it I am not, and you are not welcome as you are individual who is threatening to throw out our property. Why in the world would I leave the door unlocked for her to come by at 4pm on Jan 31st. I told her, close, move out, and final cleaning after move out THEN transfer the property as vacant! I tried to negotiate with her like my lawyer told me to and she just got more unreasonable and just plain nasty. I told her the max that I will stay after Jan 31st is SIX DAYS with PRORATED RENT! She tells me, she needs to get the house sold...trust me it isn't going to move any faster if I weren't here those measly 6 days. All this, because I want to live in a different house! She has no valid cause to evict me. My lawyer thinks the judge will look at this as ridiculous considering my long track record of always paying her on time for 3.5 years and the fact I am only living in the house until I close. This woman is insane and she is trying to make me insane. And I tell you, I might just get there with this woman. After her stupid text messages, I told her to not contact me directly anymore and direct everything to my lawyer. She says, "Excellent!, I will forward his contact info to my lawyer". Stupid &$%*&! So she is heading to court to get eviction papers and by the time she has them, I will be gone but my lawyer and I will be in court on the day she requests it...Believe that! And, if my legal costs for all of this exceed $1500, I am going all in like poker to fully sue her for damages! She has caused so much more stress and inconvenience than I can even talk about on this forum and I have been dealing with it every day while my number 1 goal is to get out of her crappy house! And so, on the other side in mortgage land, I will be up again tonight gathering more documents if I can stay awake. My UW wants an image of the 401K check and I just got back from checking my PO Box and it is not here yet so I am not sure what to do about that. Just so sick of documents! I swear I have already dealt with 200 pages of documents already! Ugh! So frustrated with it all! And in the middle of all of this is my little boy whom I am trying to shield from this. It makes me sick that there are so many money hungry people out there that will do anything to try to rob you. If we actually close on Jan 30th, it will be a miracle. But it isn't looking like it. Because today is Friday, I fax over the docs tonight and they sit there until Monday, and then they go to CHFA. They are saying CHFA takes 4 days to approve so that will fall on a Friday as they probably won't begin looking at it until Tuesday. So where does that put us? In February! Just "great!" We did the 4 hour walk though and new home orientation yesterday. When we drove up, they were power washing the outside of the house...i didn't know they do that!I was surprised at how much builders care about your satisfaction. We were told to mark even the slightest imperfections in the paint or drywall with tape. The contractors are coming in all next week to fix all the taped items and the issues my inspector noted and then sometime late next week they will hold the final walk through to view the workmanship of the repairs and then we sign an acceptance document. After that is closing and we get our keys!!! Now I am in that gruesome waiting period that everyone talks about. I think I will get some sleep before my son wakes up for school. If you are looking at a new home construction, I highly recommend Lennar. They are our builder and they truly live up to their motto, "Lennar Cares!".Their website is Edited Sorry but had to edit that direct link due to advertising. Also had to use read since you're using my normal blue.

Owwww my eyes! Hang in there, it's almost over. Good luck with your landlord, you know what to do.