@Anonymous Yikes!!! Better sounds worse than my closing nightmare. At least you got pre possession. Makes me glad I didn't use Better. Congrats on closing to everyone on this thread!
We closed on Friday! 2 days late, but still made the last day for the rate lock. It was a complete mess. Things that went down last during last week:
1. Closing agent insisting townhouse was a condo .... I don't even know how to respond to that one (are you kidding me!?!?).
2. UW found out that appraisal didn't include a picture of the tankless hot water heater ... appraiser didn't open the utility closet when doing the appraisal. Agent was fantastic, took some pictures emailed it to appraiser, and appraiser updated the report and UW accepted. This resulted in a day or two day (found out on Monday with a Wednesday closing!).
3. Certificate of occupancy didn't come in until Tuesday afternoon. Couldn't close before that. So appraisal delay wasn't that big of a deal, both resolved same afternoon.
4. Most repairs not finished until Tuesday.... still some very minor fixes left. We almost walked away from the deal because of the repair and CO issues.
5. Final CTC resolving above issues issued first thing Wednesday am. Closing docs not sent to closing agent until Thursday mid morning. DW was working off site (wasn't planing on the delay!) .... Had to arrange a mobile notary and then drive closing docs 2.5 hours (after driving there), because we missed the fedex overnight shipping window. Alas, everything got funded and recorded on Friday.
My process with the mortgage company was flawless until the last week. But in the end, we still closed within the rate lock period. Even with the last minute issues, bank was great to deal with. I always think our next mortgage process will be very smooth, but something always goes wrong. I've chalked up the messes to being par for the course.
