The house closing

So we were originally supposed to close on the 18th... then it got bumped to the 23rd....then on the 21st they called us and told us we would be closing at 3:00. At 9:00 am on the 21st I got a call from the lender that they wanted "the terms and conditions page of my 401(k) plan". It was now a condition of closing... you have got to be kidding me, right? Nope. It wasn't a joke. I told the lender that we were packed up and I certainly would not be able to find that piece of paper this late in the game. I asked why they waited until 6 hours before closing to make such a request and the answer I got was "ma'am. We are very efficient." Ok, but that doesn't answer my question why you waited until day of closing to ask for this?

I never did get an answer to that. But I scrambled and was able to get the Trustees for the 401(k) account get the paper to the lender for me. The lender had it by 11:00 am. So, I would assume that they should have had plenty of time to review that one piece of paper before closing at 3:00 pm. Well, naturally, I assumed wrong. At 1:30 pm our realtor called and said the lender is telling her they do not have time to review it prior to closing and so we should plan on closing on Thursday the 24th instead. ARGH.

All of us (the sellers and both realtors and then Mr. Man and I) rearranged our schedules to do the closing Thursday (today). Then at 3:00 Monday (the 21st) our realtor emailed us to say the lender said we can close now! I thought I was going to go through the roof. I told her I had now made work commitments and couldn't leave. The sellers went on over and signed the paper work and we planned to just go today (Thursday). At 1:00 pm yesterday my realtor called and asked if I could get off work to close at 4:00 .... yes, 4:00 yesterday! So, I made those arrangements and got there promptly at 4:00 pm.

The Closer comes in to the conference room and said she was having trouble downloading the documents from the lender so "It will be about 30 minutes. Is that ok?" We say sure because are so ready to be done with this!!! At 4:40 she comes in and we start signing, she told us we were signing everything but she needed us to know that there were 2 documents that, even though we were signing them, she was waiting for the lender to approve it. So, if the lender came back with changes we may need to re-sign just these 2 documents.

After we got everything signed, she checked her fax and sure enough the lender wanted some wording changed. She changed it and faxed it back to them. She had us sign the changed ones, although there is still a chance that the lender will want more changes. Yet, again I say Argh!!!

We could not get our keys last night because technically the deal isn't done. We are waiting this morning for a call from our realtor to know whether we go back to the title company to get our keys or whether we need to go back there to sign papers and then get our keys.

This has been a long, drawn out experience and I am ready for it to end! At this point if we can get our keys by Saturday when we have 7 guys and 3 trucks showing up to help us move, then I guess we will be fine!