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Friday, March 1, 2013

We closed!

We closed yesterday, but it was a total nightmare.  Let's just say when NVR gives you a 100% clear to close, it doesn't always mean that.

We actually had a good working relationship with NVR up until yesterday.  Everything has been pretty smooth sailing for the last 6 months.  We got the clear to close call on Wednesday, the day before closing.  We were all set to close at noon yesterday.  This time worked out for us, because I have to pick my kids up from school at 2:30, which is 30 minutes away from the office on a good traffic day.  Also, the cable guy was coming around 3pm to get us hooked up.

We got a call around 10:30 that said we had to push back closing until 1.  Fine, but it cuts it a little close.  They had ordered a document and wanted to be sure it was there in time.  On our way over the office, at 12:55, we get a call from our loan officer.  We had something on our credit report from 2009, a very small (under $100) medical bill.  All this time, for months, they had thought it wasn't our bill so they never told us about it, and we didn't know about it either.  Six months they had to let us know about this bill.  And they are calling us 5 minutes before closing saying we need to fix it.  Insanity.  They totally dropped the ball on this one.  So, we had to call and confirm the debt, pay it off and let our loan officer know.  By the time this was over with, it was 1:30.  Now we are really cutting it close.  So we go over to the office.  And we wait.  Another 20 minutes.  They didn't have the paperwork in order, and it had to be faxed over.  Then, we had to wait for the closer to show up.  I was steamed.  I furiously signed all my paperwork and had to leave Josh to sign the rest while I raced to get the kids.  I was late picking them up and they were crying :(  Ugh.  Not how I wanted closing to go at all.  It was totally stressful right up till the end.  They also underestimated our closing costs by $1000. And Josh was there from 1:45-almost 4pm.  It should have taken an hour.  And we missed the cable appointment.  Now we have to wait till Tuesday to get cable, and probably wednesday until guardian can come in.  They really, really dropped the ball on this one.

For a company who is so hung up on 10s on the survey, they should have come through for us.  Things in the house should have been perfect when we closed.  Closing should have run more smoothly.  I really feel like they weren't trying hard enough for 10s.  A 10 is perfection, and my house is far from perfect as it sits right now.

There were also some things left undone at the house.  They never tore up the flower bed encroaching into our yard.  And there were a couple other little things that weren't done.  I didn't really want to close until everything was done, but I felt like we had to.

Anyway, despite all of this, we are thrilled to be homeowners and we are thrilled the mortgage and building processes are OVER!

7 comments:

  1. I'm so sorry but congrats on closing!

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  2. I hope you didn't have to go through all that stress, but Congratulations on your closing.

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  3. Wow, that sounds incredibly stressful! Congratulations, though. It will be a distant memory once you are settled in :)

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  4. What a mess! I'm glad it's over now. Enjoy settling into your new home!

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  5. Sure hope I don't have that mess to look forward to. Sorry such a hassle, but congrats on closing!!!

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  6. What a pain, but at least it's done! Congratulations!!

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  7. Congrats!!!

    Check my wife and I out below:

    http://ryanhomepalermo.blogspot.com/

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