We’re homeowners again!! Approximately six months ago we made an offer on a house in our neighborhood (it’s only eight houses down from where we currently live)! And yes, you read that right…it’s been half a year since we made the offer. The home was in pre-foreclosure status…also known as a short sale. So we were not only negotiating with the seller but also with two lending institutions AND working with two Realtors. Needless to say we’ve had quite the journey full of highs and lows. I won’t go in to all of the details, but I will take this opportunity to share about closing day…it had plenty of it’s own highs and lows!
So finally the glorious day (last Friday) had arrived. My friend Katy watched Ben for me which was a HUGE help!! I met Jake at the bank in order to pick up our down payment check. After waiting for twenty-five minutes we were feeling the pressure to get on the road in order to make it in time for our 10:00 am closing…so we left…without the money. I drove while Jake made several calls to the banks, title company and mortgage company. I should note that during the phone call chaos Jake was informed by one person that we were on our way to the wrong location (after we had passed the exit) only to be told a few minutes later that she was wrong…we were headed to the right location. Surprisingly enough we managed to arrive at the title company right on time (I was driving after all) with smiles on our faces. Our Realtor (who has been wonderful through this entire process) was there waiting for us and the lady at the title company (I don’t know her official title…we’ll call her the “title lady”) was super nice. So we drank coffee, ate cookies and signed a mountain of documents. The title lady even let us use her computer to wire the down payment. (It turned out our on-line banker forgot to put the approval order through the night before and we were told we had to put the order in by 11:30 am that morning in order to get a same day transfer. We made it with about five minutes to spare!!) As we were leaving we were told that the seller would be in to close at 1:00 pm that afternoon and then we’d receive the keys. We were truly elated as we left the office.
At about 3:30 pm that afternoon Jake received a call from our Realtor. We were informed that the seller was not pleased with some of the language in the closing documents and would not sign them. The documents were being sent to his lawyer for review and the lawyers for the title company were being called in as well. What? Was this really happening? We went from all smiles and cookies to “we’d advise you to contact a real estate attorney.” By the time Jake got home from work that evening we were beat. After dinner we took Ben for a ride in his wagon. We just kept looking at each other and saying, “we’re speechless” and then we laughed. We laughed at the absurdity of it all. We laughed because we knew who was in control…clearly not us. We felt like God was either protecting us from something or allowing our character to be tested. So we left it there…in His hands and we went to bed. We were exhausted! The next morning we were both up early. I jokingly asked if we’d heard from the Realtor yet and Jake checked his blackberry. And there it was like a light shining from heaven illuminating one single e-mail on the screen. The e-mail was from our Realtor (sent at 4 am) stating that the seller had agreed to sign the documents. Hallelujah!
Here are some pics I snapped the day we got the keys! The lot is on a cul-de-sac and the house is 3 bedroom, 3 bath w/ living room, dining room, family room, office, and three car garage. With some fresh paint, a good cleaning and a little TLC on the yard (it hasn’t been watered in months)…the house should be back in tip top shape again soon!