Almost there....

A few things I've learned through this whole experience.

1. Never go through the bank we are using to buy a house!
2. It's better not to buy a modular home if you can help it. I love our house, but if I had known all the inspections it's had to go through- I might have passed on it all together. Or at the very least added more time into all our "deadlines".
3. Deadlines are just dates that are put on the paper to scare you into doing things when they want it, but no one else has to follow them or adhere to them. (Except maybe the sellers too??)
4. They made the buying of a house almost impossible since the economy crashed that it's not a good time to buy, even though everyone keeps saying that it is.
5. I may never sell my house, (unless it's like childbirth and you 'forget' all the bad because of the potential good) because this process has been a nightmare!
6. Trying to pack with a 3 year old going behind you trying to pull everything out is a pain in the butt!!


Our good news we got the other day turned out not to be so good after all. The insurance company after telling us that they would insure us and that they were all good to go and everything, the next day they told our processors that they wouldn't insure us for the full loan amount, after we had asked them that specifically. So we ended up calling the guy who is insuring it right now, cause we knew that he'd insure it for us now, and we ended up getting an even better rate for our house, but our car insurance did go up about 10 dollars. BUT we have better coverage on the car so I'm not all that upset.
And so now here we sit.... 3 days past our financing deadline and we still have no answers. Everyone (our families and Realtor) is telling us it's fine and that they are scheduling our closing (tomorrow morning) and our final walk through,(tonight)and everything like we're closing on Wednesday- which is tomorrow- even though the bank hasn't given us the final YES that we want to hear.
I really hope they all know what they are doing. I think at this point if for some strange reason we didn't get the house, my Realtor would go postal on the bank.
Honestly, the underwriters have had our completed file since Friday morning- Does anyone how long does it take for them to look it over one more time, since they've looked it over twice before, and decide. What really irritates me is that the bank and the underwriters knew all along the dates of our deadlines and they keep procrastinating until they've passed all our deadlines. So are the deadlines only for the buyers and sellers, but not the financial institutions??
Everyone keeps saying that if we weren't going to get the loan that we wouldn't have gotten this far, yet the people who tried to buy the house first couldn't buy it because their financing fell through at the last minute. Does that mean that they got this far to be told no? What is 'the last minute' really? I just don't have answers to these questions but because of those questions I can't relax very well.
I may add another post after this one today if and that's a big IF, we actually get an answer from the bank today!!