If you have ever bought a home you know the huge piles of paperwork you have to sign. Being 1st time home buyers we had no clue. Thankfully in this era of technology some required forms we able to be electronically signed via "Docu-Sign"....thank you Bridget, you may have saved our wrists.
But one day, officially in escrow, we received 2 VERY large packets in the mail, one from our lender and one from the escrow company. My jaw dropped when I saw all the reading and signing we had to do. There was more red "sign here" labels than I have ever seen before. And not fun reading let me tell you, half of it we didn't understand anyway. There has to be some way they can include a "dumbed down" version for us non-legal jargon-understanding people. We had a 2 page list of questions by the time we finally got through it all. Thank goodness our lender Kim was patient with us.
After the 1st round it just kept coming. It seemed every day for a while we got something we had to read and sign. And the information they needed from both my husband and I.....huh....you need to know the elementary school teachers name from 3rd grade? Ok I exaggerate, but really be ready to have your life story from the last 10 years on paper. I spent hours digging in the file cabinet. I learned maybe I'm not the most organized person. The most ridiculous thing we had to do had to be the letter of explanation. A typed out, signed letter explaining why a 411 search didn't bring up our phone listing......we have CELL PHONES. Why our current address didn't match the one on our drivers license......we MOVED. Has John ever owned property?.....where did this one come from? Why did they need this information? I just stopped asking.
At this point I was ready for it to be over......I just wanted my house. But good things cant always come easy and it thankfully does eventually end that is after another round of signing 50 forms at closing.
As much as I make it sound like a pain, everything with our escrow went very smoothly and fast and we now have our house and maybe slightly sore wrists.
Tales of homeownership
Saturday, July 30, 2011
Wednesday, July 27, 2011
The crazy/nosy neighbor dilemma
We have found a house we love, the mounds of paperwork and digging up our lives from the day we were born for the lender and escrow company are finally done. Our offer has been accepted and its time for the inspection.
So there I am, at our new future home with the inspector and our agent. My husband is working and cant be there. The garage door, front and side doors open for the inspector to do his thing. And all of a sudden, standing in my kitchen I turn around to a strange person standing there. "Hi" she says in a loud but friendly voice. All I want to do is say "who are you and what are you doing in my house" but I hold my tongue and let her introduce herself as my new next door neighbor.
What makes her think its ok for her to just walk right in uninvited without even knocking? Where are the bounderies of privacy, and knowledge of the inappropriateness of just walking into someones home who you do not know.
But she just wants to see how the house is "all fixed up"......and try to invite herself over to use our pool. She mentions that the new fence is too high now and she cant see into the backyard anymore. And this is a problem why? Kudos to the sellers for putting in a high fence....I want privacy. Don't get me wrong, im a very friendly person, and I certainly want to get to know my neighbors, but my house is my house and I dont want curious neighbors peering in whenever they feel like it. I will invite you in when I feel comfortable, if that even happens now.
So there I am, at our new future home with the inspector and our agent. My husband is working and cant be there. The garage door, front and side doors open for the inspector to do his thing. And all of a sudden, standing in my kitchen I turn around to a strange person standing there. "Hi" she says in a loud but friendly voice. All I want to do is say "who are you and what are you doing in my house" but I hold my tongue and let her introduce herself as my new next door neighbor.
What makes her think its ok for her to just walk right in uninvited without even knocking? Where are the bounderies of privacy, and knowledge of the inappropriateness of just walking into someones home who you do not know.
But she just wants to see how the house is "all fixed up"......and try to invite herself over to use our pool. She mentions that the new fence is too high now and she cant see into the backyard anymore. And this is a problem why? Kudos to the sellers for putting in a high fence....I want privacy. Don't get me wrong, im a very friendly person, and I certainly want to get to know my neighbors, but my house is my house and I dont want curious neighbors peering in whenever they feel like it. I will invite you in when I feel comfortable, if that even happens now.
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