It's been a busy day!

As you know, yesterday the branch manager called late afternoon to tell us that we wouldn't be closing at 10AM, but that she was sure we would close sometime today.  About 10:30 this morning she calls to let me know they are GOOD TO GO and asked whether we wanted 12PM or 1PM.  Well duh, we needed to be in there ASAP so Mike could run off to basketball practice afterwards, so we chose the 12PM appointment.  Thank goodness we picked the earlier time because it took TWO HOURS to close.  It took us about 45 minutes to sign all the paperwork, but towards the end, our settlement specialist noticed that our 2nd trust on the VHDA paperwork was more than it should be.  So she took all our paperwork to get a second set of eyes.  After 15 minutes she comes back with bad news.  Turns out VHDA was insisting it had to be the larger amount (about $200 difference) which meant they had to redo about half of the paperwork so we could sign it all over again.  Redoing the paperwork took about 35 minutes and it took another 10 minute to sign it AGAIN and then she made copies for us.  I am so happy that part is all over with!  WE ARE HOME OWNERS!!

Once we left NVR, Mike ran off to practice and I headed on over to the house.  I got there and look what I found!

An awesome gift basket from Lauren and Adam!  We are so grateful to have such an amazing team!!  Thank you so much Lauren and Adam for being there for us, even if it was just letting us vent!  You ROCK!

I unloaded a few items from my car and promptly got to work calling the utilities to get everything set up and I took a quick trip over to the post office to get our mailbox keys.

I took Friday off so the blinds guy, and FIOS guy could come in and do their thing and also so I could paint a few rooms and then move in on SATURDAY!!!! SOO EXCITED!!!

This post wouldn't be complete without thanking Chrissy, Kay, Carey and the NVR settlement team for working their butts off to make sure we closed today.  They really did go above and beyond.  THANKS GUYS! I'm sorry for making your lives hell the past few weeks! :P

And of course thanks to all of my blogger friends who have cheered us on to the finish line!

We were almost there!

...and made it almost the entire day stress free, until branch manager called to tell me that the underwriter failed to get VHDA final approval.  A pretty big deal when you have a VHDA loan, dontcha think? 

So we are being reassured that we will still close tomorrow, but they don't know exactly WHEN.  Branch manager says close to 12-1PM.

This would have been nice to know last week so I could arrange coverage for my job.

How can you overlook something as important as a final VHDA approval?!

FINAL APPROVAL!!

WE GOT IT! WE GOT IT! WE GOT IT!

With conditions of course, but its just paystubs and W2's,  and a few forms we have to sign.  So I think that should be OK.

We are scheduled for the 19th, but I am still waiting for a time.

YAY!

Closing Update!

Alright! This is the closest we've been to a real closing date! Branch Manager called to let me know that she was able to speak to our underwriter today and she said that she told her that she hopes to have our file done by early afternoon tomorrow (Thursday).

I asked her if the file is indeed done by that time, would we will still be able to close by the 19th and she said YES it shouldn't be a problem because everyone is keyed in for the 19th and they are ready to roll when that file comes in.  She even went so far as to say that even if the file comes in at the end of the day, we should still be OK.  I guess once that file comes in, she will be able to give us an actual TIME too.

So I am really super excited right now, but am trying to temper it in case something bad happens.  YAY!!

Will the 19th be the day?

So for a couple of days now, I have consistently heard the 19th as being our closing day.  Although, even with all of the talk they still can't actually CONFIRM that day until our file comes out of underwriting.  The branch manager is visiting PA for meetings today where all of the underwriting occurs and she hopes to speak directly with the person working on our file in hopes of getting an idea of WHEN exactly that will happen.  Once she can pinpoint when we get our final approval, she will be able to confirm for us if the 19th is even possible.

So today, Mike is cancelling his original leave request for the 15th and submitting a new one for Tuesday.  It has to go through the special process again since it is the day AFTER a holiday.  I hope it gets approved because I have no idea what were going to do if it doesn't!

The 19th is pretty much THE LAST possible day we can close before work and school EXPLODES for me.  I will have a hard time finding free time to schedule a closing after that day.

Anyway, the branch manager plans to call me sometime today to give me another update.

Quick Diversion

Today is an exciting day!  Our wedding has been featured in a very popular local blog called United with Love.  We are so excited!  Mike and I got married on October 29, 2011 on the first October snowfall in Warrenton, VA since the 1800's.  It was definitely a memorable day!

Go check it out HERE.

UPDATED: While we're patiently waiting...

...for an update from the branch manager today, I figured I would mention AGAIN how awesome our PM and SR are.

Lauren our SR was working our issue even on her days off last week which is going above and beyond if you ask me.

Adam our PM, politely agreed to fix all of the stuff we taped in our home this weekend even though I'm sure he walked into our house today and felt like screaming.  We used so much blue painters tape it looked like a smurf exploded.

On top of that I know our NVR team is working diligently to try their hardest to get us to closing this week, so a big shout out to them too!

I am hopeful I will have good news about our closing date being scheduled for this Friday like it was supposed to be and like we desperately need it to be for everything to work out logistically.

I REALLY also want to be able update our countdown widget to reflect the TIME of closing too because right now its just to some random time, because its driving me nuts know its not correct. :P

UPDATE: Okay, she called and she still hasn't heard anything.  She says we will not be closing on Friday.  She said next Tuesday seems possible but she couldn't even confirm that date either.  I am so tired of this, so much so that its becoming very hard to get excited about our new home.  I know I've said this before, but it just keeps getting WORSE!  

All of this BS would have only been OK if we were to close on the 15th because at least I would know that they truly HEARD me and understood how valuable our time is.  Because really when it comes down to it, we are customers.  Right now, we are extremely unhappy customers. 

So at this point, this means that we won't be painting our home, we won't be installing our back splash, we won't be sealing our grout or counters until after we've moved in.  Realistically speaking it means half of that stuff won't ever happen.  Its going to take so much extra work and effort and time to make our house a home and I'm pissed because NVR led us on for so damn long.  I regret believing in them and believing they could work this out for us.