A new house for the Kalihers

It finally came. Settlement day!!! Look I have to write a long blog about this experience but let's just say that the last month it has been non-stop with the broker and the loan company having to proof everything. Really just take my blood - it would be easier. First they needed proof of Karl's employment and every paystubs for the last three months. Next I had to document every deposit from the last three months. Then the loan went through a 2nd underwriter who wanted official bank statements with a signature and date from the bank demonstrating we had money in our account. All this pushed our settlement date back to Friday the 24th from Wednesday the 22nd. I had planned to take off the 22nd through the 24th which I'm glad I did.

On Wednesday had to go to the bank to get the statements and meet the broker. Then Wednesday night had to do more paperwork/signatures to update loan back to 4.5% from 4.35%. See, we were at 4.5% and would only have to have $9500 for closing. Then the APR went low and the loan company wanted us to have another $1000 for settlement (they gave us less of a credit!). Which meant waiting another week because we had to proof we had that extra money in our account (we didn't at Thursday but Friday with payday we did). I didn't want to do that so get back up to 4.5% so had to re-do paperwork and meet the broker on Thursday. Well at the settlement as we found out we got the 4.35% and got a return!!! All this drama for nothing!

Friday finally came and we met our agent, Tiffany, at the house for our final walk-through. As a ResLifer it was like a room inspection. We checked to see if all the work got done (it did) and I took lots of pictures and wrote down ideas of what to do with the house. Look the house is great and there really isn't much but I gotta make it my own.

Then off to lunch at BW3s and to the lawyer's office. Met with the sellers and their agents and the signature marathon started. I kept track of it all. After 40 minutes were up to 40 signatures then the sellers got to leave and it was us, the lawyer, and Tiffany signing away. Paperwork like we promise not to ask the loan company to take care of the appliances, a paper saying who we are, a paper saying we promise to pay the loan, a paper saying we're married, etc. After 85 signatures we were done!!!!! Homeowners!!

Really I felt a sign of relief to get through this process. We had the keys in hand and went home to get the kids to take them to the new house. They loved it! They ran around it and played on the playground.

It's done!!! We are finally started our next chapter of our life as community members and a family!!!