Friday, May 27, 2011

One last freak out?

So we received notice today from the mortgage company how much money we would have to bring to closing. No surprises there, in fact it was slightly less than anticipated. However, the next part of the sentence stopped me in my tracks and threw me into a major panic, "and needs to be a certified check or wire!" Umm, why would you tell us that 1 business day before the closing? It's not like Monday counts, it's a federal holiday, the banks will be closed. How fucking stupid are you? Remember, first time homeowners... wtf! So I sent the woman an email back asking why she couldn't have told us that a few or two ago? She managed to misunderstand what I meant so I spelled it out for her. Could you have told us we needed a certified check or wire transfer from the bank holding our down-payment money... a few weeks ago?

Now, this may not seem like a big deal, but let me elaborate. Our down-payment money is happily sitting in the bank... in Michigan! We are buying a house in Washington, DC! Our bank in Michigan does not have a local branch, which is why we finally looked for a new bank a few months ago. If I'd known a few weeks ago, I would have just cut myself a check from the MI to the DC bank and gotten that certified check or wire transfer no problem. And I checked with our DC bank, a check was not going to clear by Tuesday morning. Then I checked with the MI bank, they don't do wire transfers. But they could overnight a certified check to us, but no guarantees it would get there in time either (especially with the way our mail services drags around here).

Finally my hubby came up with the perfect solution, have my father-in-law pick up the check and bring it with when he drives to DC on Sunday. So, I wrote a letter to the bank asking them to process a certified check and release it to my father-in-law, ran down to the bank on the corner and got it notarized, ran back to work and faxed it to the bank, and then kept calling the bank to try and get the manager on the phone I'd talked to previously to make sure he'd gotten my fax. I kept getting his voice mail. My father-in-law called me to tell me that he needed to pick up the check that day instead of the next day, because he was going to my sister-in-law's place which is an hour out of town. And he and my brother-in-law had planned on leaving right from there. So I tried calling the bank manager again, still no answer. Finally I called my father-in-law to ask if my brother had dropped off the stuff my mom wanted my in-laws to take to DC, and he told me that the check was in his car. Why couldn't someone call me and tell me it was taken care of? I hate banks.

So, yet another crisis averted. But I might go gray by the time we sign our paperwork.

On the utilities front, I sent an online form to Pepco asking them to start service on Tuesday. The automated response email said a representative would contact me in the next FIVE days! We need it turned on asap, not in five or more days. Crap. Then I called the gas company, they just wanted me to set up an account, but the service is already on and will remain on. Next I called the water and sewer company, but the office wasn't open and won't be until Tuesday, so I guess I'll have to pray that they either a) didn't interrupt service or that they b) can start service quickly. Next stop, Comcast for our internet. No problem there to move it from our current residence to the new house. But because I didn't know when we'd have electricity, I decided to make our appointment for Friday to give Pepco some extra time to get back to me.

In happier more exciting news, my mother-in-law is sending several plants with my father- and brother-in-law for our garden. I'm so happy at the thought that I get to dig in dirt and make our yard something beautiful and peaceful. I've never had a yard of my own to take care of. I don't even know if I'll be a good gardener. I guess we'll find out.

1 comment:

  1. Yay for plants! I love gardening. :) That whole bank thing is kind of messed up, why wouldn't they say something earlier?