Buying A Home
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Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Waiting to close...
I'm new to these boards, but my husband and I are waiting to close on a house and it's driving us crazy. This will be our first house purchase, and I feel like we have learned a lot along the way. Has anyone else experienced issues with their mortgage loan officer? Our experience with her has been somewhat of a nightmare. We probably should have gotten a different one after she failed to show up to a meeting with us so that we could sign our mortgage loan application not once, but TWICE. We had to drive a significant way out of our way in order to meet with her, and both times she wasn't there and she hadn't left the proper papers for us to sign. She ended up meeting us at our home inspection and having us sign then. Now we're having issues where she hasn't added the paperwork that we gave her a month ago to our mortgage application file. The underwriter asked us for documents this morning that we emailed to our lender a month ago. Urgh. Fingers crossed that we are able to close by the end of the week! What are you supposed to do if your closing gets pushed back and you have to be out of your apartment by the end of the month?
Re: Waiting to close...
First, have you directly explained to her that you are upset? If not, start there. If so, you need to speak with her manager and either ask to have a new loan officer or to have him/her speak to her about stepping up the responsibility. This sort of behavior she is demonstrating is unprofessional and highly rude/inconvenient.
You essentially have three days to close (27th, 28th, or 29th) since they typically do not do closings on Saturdays.
I'd be seeing if you can rent your place for another month. Or, see if you can pay by the week. Or move into a friend/family members' place. And, as a last resort, you could rent a room at one of those extended stay hotels.
If she doesn't get this together by tomorrow, it probably isn't going to happen in June.
Sorry. I know this stinks.
Thank you so much for your advice! We have voiced our complaints a few times now, but it doesn't seem to be helping. I do think we need to talk to her manager about it.
We went ahead and reserved a storage unit near the new house for Friday, and a friend offered to let us stay at his place in the meantime. Our landlord let us out of our lease early and has new people moving in on Sunday, so we don't really have any other options. I wish I had done more research on the process of getting a loan so that I could have made some more informed decisions about my loan officer. We've been told that we're "good buyers", but nothing about this feels very good at this point.
Thanks again!