topic Re: Feels like I am being slowly tortured... in Mortgage Loans

Feels like I am being slowly tortured...

Anonymous — Tue, 07 Apr 2015 17:19:33 GMT

I have been in underwriting since last week and of course my mortgage broker went on vacation begining Friday until next Monday. She said I should have my conditional approval by this past Friday or yesterday. I heard nothing on Friday from her or yesterday. She said she would be working her files in the mornings while on vacation and would let me know something. I sent her an e-mail this morning asking if she had heard anything and that I hated bothering her while on vacation but she is the one that told me she would let me know. I got a reply saying "I saw an approval come through. Will get you conditions later." THAT'S IT! I am dying over here! I don't know whether to be excited or not. Conditions could be anything. I do have a few medical collections. Are they making me pay them off? Do they maybe want more down payment? These are things that would kill the deal for me. Couldn't she have just given me one more sentence like "nothing for you to do". Ugh!!! I hate this process! Thanks for letting me vent.

Re: Feels like I am being slowly tortured...

mynameainttracy — Tue, 07 Apr 2015 17:41:59 GMT

You should go ahead and get that prescription of vallium filled. I am regretting that I didn't.

Re: Feels like I am being slowly tortured...

Anonymous — Tue, 07 Apr 2015 19:09:56 GMT

At this point I WISH!!lol They verified my employment today and I recieved a 2nd set of disclosures so I am telling myself that if there were conditions to which my broker knew would kill the deal she would let me know ASAP so I shall try and calm myself until I hear from her with the list. Not going to be easy but I will try.

Re: Feels like I am being slowly tortured...

Anonymous — Tue, 07 Apr 2015 21:36:41 GMT

They call her frustrated cos of stuff like this. She even said she felt like she was being tortured LOL-

"I have been in underwriting since last week and of course my mortgage broker went on vacation begining Friday until next Monday. She said I should have my conditional approval by this past Friday or yesterday. I heard nothing on Friday from her or yesterday. She said she would be working her files in the mornings while on vacation and would let me know something. I sent her an e-mail this morning asking if she had heard anything and that I hated bothering her while on vacation but she is the one that told me she would let me know. I got a reply saying "I saw an approval come through. Will get you conditions later." THAT'S IT! I am dying over here! "

Call some friends and go drink some wine tonight, let us know if you get messed up and need a ride home, and we'll send someone over. Uncle Lemmus makes a good designated driver.

Re: Feels like I am being slowly tortured...

Anonymous — Tue, 07 Apr 2015 21:40:23 GMT

Conditions are generally internal things. When I heard that the first time I was freaking out thinking I was going to have to do something. Basically you are approved. Your lender may have to submit some paperwork or something, but you should be fine.

Re: Feels like I am being slowly tortured...

Anonymous — Tue, 07 Apr 2015 21:43:23 GMT

thats you and me both. I am due to close on 4/17 and i dont have Clear to close yet everything has been submitted.

Re: Feels like I am being slowly tortured...

frugalQ — Tue, 07 Apr 2015 23:43:20 GMT

Frustrated, I'll drink a glass with you. This process turned out to be the worst thing I've ever had to endure....and that includes fighting with an overbearing MIL during my wedding planning.

If I worked in the manner my lenders worked, I'd be fired already.

Uncle Lemmus, you may need to make a couple of stops. Lol

Re: Feels like I am being slowly tortured...

Anonymous — Wed, 08 Apr 2015 11:23:43 GMT

Thanks for making me laugh everyone. At least I know I am not alone. I was supposed to close on April 24th but we pushed back to May 4th. Obviously I am not a very patient person. I knew this was going to be torture when I got started but I wanted it so I went after it. I am a single mom who was a victim of domestic violence. When it ended I got nothing. 2 duffle bags and my children. No car. No money. No place to live. That was 7 years ago and I never thought I would get to this point where I am actually buying a home! I think all the struggle is what has made this even more difficult. I live with the fear that I am not good enough and that somewhere during this process someone is going to look at my stuff and say "Denied! She is not good enough." Stupid I know and probably a little too personal but it's people like all of you who have made this process even possible! Thank you all so much!

Re: Feels like I am being slowly tortured...

frugalQ — Wed, 08 Apr 2015 13:38:20 GMT

Frustrated,

I hope you soon realize just how strong of a woman you are!!! Whether you know it or not, you made up in your mind that you were "good enough" 7 years ago. Don't ever let anything or anyone ever make you doubt it. Not even this ridiculous home buying process.

There are so many women who don't have the strength to walk away. But, you walked away, rebuilt a good life for you and your kids, and now less than 1 month away from being a homeowner. Girlfriend, you are a testimony!!!

All will be good and you will walking into your new home before you know it.

Re: Feels like I am being slowly tortured...

Anonymous — Wed, 08 Apr 2015 14:43:50 GMT

I'm happy for you. If anyone deserves a home, you do.

Re: Feels like I am being slowly tortured...

Anonymous — Wed, 08 Apr 2015 16:42:16 GMT

Thank you so much! I am just one to not like it when someone tells me I can't do something. He always told me I couldn't do anything without him and his family. I was also diagnosed with RA and for a year I put things on hold to learn to deal with and accept the diagnosis. I decided not to let that stop me either. Although I have insured myself to no end!lol Short term, long term, cancer, critical illness, life, etc. I refuse to leave my children holding the bag if the worst were to happen. My kids are soo excited it makes me wanna work that much harder! Love to all of you for helping me with all of your knowledge and support!