Psychotomy

Jesus. applied for a home equity loan near the end of july, b/c we decided we needed to clean up our finances, lower monthly bills, etc.

basically every freakin’ step has involved me callin a bunch :/ just before vacation i got them to say that we were preliminarily approved, pending a evaluation of the home coming in high enough. ok, no problem. they’ll call and we’ll schedule the appraiser and stuff. except no one called before we left (ok they only had that week, but).

then no one called while we were gone. so i called, and “oh, yeah, the appraisal came back good. now we just need a credit card statement (for the one you’re closing) and the insurance information” … b/c we couldn’t've called and left me a message saying that? oi.

so i send that stuff, and while talking to the insurance, they inform me that the credit union will have to call to get added as the second mortgage. ok, no problem. talk to the CU people, tell them that. then nothing.

call them ~10 days later and … “they haven’t sent us anything” … oh, and “the lady you’ve been talking to for most of the last month was on loan to us, and she’s gone back to her department. so i don’t know anything about what you’ve talked to her about with this and the insurance ,but we need the insurance information.” … oi.

so i call insurance, give them ANOTHER number to fax to. b/c apparently the one THEY provided was wrong :o don’t hear from cu in a few hours, call. “i don’t have it yet, but they haven’t brought by the faxes lately.” oh and “i’m going on vacation. you can call (a) or (b) while i’m gone.” … b/c they’re gonna know anything about this?

so call this morning. don’t remember a or b, so i ask the operator to transfer me to someone in that department. i mean, the people i know the names of AREN’T THERE anyway. talk to the nice lady. she goes to find my file. she comes back, asks for more information, goes to look again. comes back, asks me for my # so she can just call me back when she finds the damned file. it’s apparently MIA. jesus.

called back ~5 minutes later. someone else, about scheduling the signing and stuff. apparently they got the fax. i tell her she should tell the other nice lady, but that’s apparently who brought the file over. OK great. now she needs to ask me a bunch of questions about the property (uh? who’s name is on the title? is it leased from the county? is it a mobile home? shouldn’t someone’ve asked this EARLIER somewhere? jeeeesh).

so we’re scheduled to close this week. so hopefully we’ll have the money by next week when we have to pay the contractors who are fixing the bathroom. the contractors we contracted in … uh … may? yeah. maybe i can pay some of the blasted bills i was holding off waiting for the loan to pay them out, too.

*igh*

Posted in: general by attriel /