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STILL no CTC at this moment. Now, the delay is my lender. When they didn't issue it on Friday last week, the acct manager at the bank said it would be Monday morning. Monday comes around and I'm waiting ALL DAY. I finally sent my LO a note and said "there must be something wrong". He assured me there wasn't but I get a call from him and the bank at the end of the day. Yes, there WAS a problem. In final review, the senior underwriter caught that our payment arrangements with the IRS has only my husband's name on it and not mine. So they kicked it back for explanation. Well, they apparently didn't read through the entire letter, because on the first page (of 7 total pages), it clearly states that this arrangement includes the tax ID # (which was MINE) for the following tax years yada yada yada. So, the acct rep at the bank goes "PERFECT! That's the last thing we need. You should get your CTC tomorrow morning!" Ok, so it's Tuesday and by noon STILL haven't heard anything so I send my LO a note basically freaking out. WHY DO WE STILL NOT HAVE IT?!?!? Now we are going from a situation where I was willing to walk away to a situation where my lender is the hold up and Lennar is going to hate me and charge me per diem. Both my LO and the Acct Manager at the bank called me last niight to talk from down from the ledge. She said not to worry, there is nothing wrong. She talked with Lennar herself and they were fine with a Friday signing docs date and we are still planning to sign docs on Friday.
I STILL don't understand why it's taking this long. But I was hoping to sign docs on Thursday because then we would get keys on Friday and have Friday and Saturday to move in. If we sign docs on Friday, we won't get keys until Mon/Tuesday. This puts us a few days into November. Luckily, I was able to call the property management company and beg them to prorate the few extra days. But we can't take any time off work so we will have to move after work. AND, I am hiring movers and I can't even schedule them until I know for sure which day we will have the keys. It is just so irritating!
Wow! What a pain. I wish you the best in this. I am in a similar situation, waiting for CTC and everything seems to be going wrong or delaying at last minute.
Keep your head up, it sounds like you will be living in your new place soon!!
@Anonymous wrote:
We got the CTC tonight!!! Closing on Friday if they can't get the docs ready by Thursday evening! Finally!!!!
Ahhhhhhh!!! That's awesome bmhill!! Congrats!!!
Thank heavens - I'm hoping you get paperwork later today - maybe that would mean keys tomorrow! If not at least you know you'll have keys next week and you can pack away over the weekend!
WhooHoo Congrats!!