As many of you know (from my rants about this!), Rob & I are having a house built on 1.5 acres of land. The builders have been stringing us along for quite some time now ... we started this process in February after we got married. We signed a contract in May or June. They told us the house would be done by the end of August.... then suddenly, a snag. We needed loads of paperwork throughout these months - pay stubs from me, pay stubs from his parents (they are co-signing because I'm $1200/year short in the income department and Rob isn't considered established yet...It would be much easier if I just made that extra $1200!!!), bank statements, drivers licenses, SS cards, conveyance of land (apparently getting land for free is bad ... that tacked on another 1.5 months of waiting because of the banks and their wording).
Well, August came and went. I voiced my concerns on the time it was taking, and said I really hope it is finished by our 1st wedding anniversary in February 2009, but really preferred it to be done by Christmas. The financial guy who has been keeping us updated (works directly with the builders ... in the same building, at that) said "Oh, it'll be done by the end of October!! You'll be living comfortably in your home by Christmas." It is now October 15. They have not broken ground for the foundation yet.
I got a call yesterday and the financial guy told me that we were scheduled to close Monday, October 20 at 5pm at the lawyer's office. Of course, Rob's dad can't make it that day because he travels a lot for work. He was home nightly for the last 2 weeks, but they were still having trouble figuring out how to word the title work for the construction loan since the land is ours and we're not financing it. So his parents told us to tell them Wednesday or Thursday (I prefer Wednesday cuz it's earlier). But at the same time, I'm just not as excited as I should be.
I'm extremely sick of living with Rob's parents - we've been married for 8.5 months and still live there. This house was supposed to be done 2 times over now. Sure, we've saved one year's worth of maximum mortgage payments for the house, but I would much rather be in my house paying that mortgage. I figured I'd be jumping off the walls when I found out that we'd finally be going to the construction closing (yeah, not even the real closing) ... but I'm more upset than excited! Our house definitely will NOT be done by Christmas, as it takes 60 days from the time they get the house (modular home) ... and they still have to do the whole foundation thing first! So unless they do that in two days and get the house there, it will not be done by Christmas. We're looking into at least January 2009. I will be devastated if we do not have it by our 1 year wedding anniversary. I'm just that sick of being where I am, that I can't fathom being there for that first anniversary (although it'll be our 4th anniversary of being together, and 3.5 years of living there, ugh). If it turns out we are still there, I will probably rent a week at the extended stay hotel we stayed at after our wedding until our honeymoon. Just because I want to feel like we have a place of our own, even if we don't.
Whew, this turned into a rant of sorts! I'm just so fed up. They kept giving us the "oh we're going to close this week" line since the end of August. Sure, it was the lender they were going through that was being so stringent, but don't tell us those lines if you aren't positive we're really going to close! It
us off! Rob is much more held together than I am, but he is also fine with our living situation right now. He's gotten pretty upset about this taking so long, because he too really wanted it for the holidays. We were supposed to have our first married Christmas in our own new house, and my parents were going to come down from Charlotte for the weekend. (Instead, we'll go up there, which is a nice vacation too). *Sigh* I just want this whole stupid mess to be over with. Of course, after we spent $6200 on land clearing, $1000 in earnest money, and $500 to release the land from his parents' mortgage, we found a perfect house, already built on 1 acre of land, 300 sqft larger, for the same price. Now where was that house when we were looking before starting the building process!!!!
I know everyone will say it'll be worth the wait, and I'm sure it's true, but I won't feel that way until I'm finally sleeping in my new bed in my new house with Rob, Katina, and Nero.
Well, August came and went. I voiced my concerns on the time it was taking, and said I really hope it is finished by our 1st wedding anniversary in February 2009, but really preferred it to be done by Christmas. The financial guy who has been keeping us updated (works directly with the builders ... in the same building, at that) said "Oh, it'll be done by the end of October!! You'll be living comfortably in your home by Christmas." It is now October 15. They have not broken ground for the foundation yet.
I got a call yesterday and the financial guy told me that we were scheduled to close Monday, October 20 at 5pm at the lawyer's office. Of course, Rob's dad can't make it that day because he travels a lot for work. He was home nightly for the last 2 weeks, but they were still having trouble figuring out how to word the title work for the construction loan since the land is ours and we're not financing it. So his parents told us to tell them Wednesday or Thursday (I prefer Wednesday cuz it's earlier). But at the same time, I'm just not as excited as I should be.
I'm extremely sick of living with Rob's parents - we've been married for 8.5 months and still live there. This house was supposed to be done 2 times over now. Sure, we've saved one year's worth of maximum mortgage payments for the house, but I would much rather be in my house paying that mortgage. I figured I'd be jumping off the walls when I found out that we'd finally be going to the construction closing (yeah, not even the real closing) ... but I'm more upset than excited! Our house definitely will NOT be done by Christmas, as it takes 60 days from the time they get the house (modular home) ... and they still have to do the whole foundation thing first! So unless they do that in two days and get the house there, it will not be done by Christmas. We're looking into at least January 2009. I will be devastated if we do not have it by our 1 year wedding anniversary. I'm just that sick of being where I am, that I can't fathom being there for that first anniversary (although it'll be our 4th anniversary of being together, and 3.5 years of living there, ugh). If it turns out we are still there, I will probably rent a week at the extended stay hotel we stayed at after our wedding until our honeymoon. Just because I want to feel like we have a place of our own, even if we don't.
Whew, this turned into a rant of sorts! I'm just so fed up. They kept giving us the "oh we're going to close this week" line since the end of August. Sure, it was the lender they were going through that was being so stringent, but don't tell us those lines if you aren't positive we're really going to close! It
I know everyone will say it'll be worth the wait, and I'm sure it's true, but I won't feel that way until I'm finally sleeping in my new bed in my new house with Rob, Katina, and Nero.