Countrywide approval

Discussion in 'Credit Talk' started by denddon, Sep 18, 2002.

  1. picantel

    picantel Well-Known Member

    we are doing countrywide and got our final approval today after our last disaster. We are suppose to sign papers with title company on friday. Now I am worried about them jacking up closing costs because they know we are in a rush or the title company jacking on junk fees. I am feeling a bit paranoid now.
     
  2. LisaMc

    LisaMc Well-Known Member

    Denddon, neighbor, buddy, congratulations!

    My husband and I lived in Corpus Christi from 1990-1998. I absolutely love it, miss it, and would move back tomorrow if I could. We live in Houston now. The next time you are driving down Ocean drive, think of me!!!!!!!!!

    Where are you going to buy your home? We lived in Lindale (between Staples and Alameda) for 3 years. We later bought a home in the Del Mar area and lived there for 5 years. I loved everything about both of those neighborhoods--great people, good commute to anywhere in town, settled, clean, charming.

    I am happy for you. Good planning on your part!

    Lisa
     
  3. TedTX

    TedTX Well-Known Member

    I get to start house hunting next week, I'm getting 30 year fixed at 6% from countrywide.
     
  4. picantel

    picantel Well-Known Member

    I do not know if I should be happy or pissed now. Contract says that friday(yesterday) we were to sign our papers and they would be filed monday and the keys would be handed to us. However, the seller said they would be out by friday and wanted to sign thursday and file friday. They called to disconnect their utilities friday and we called and switched them over to us. Well everything went well, we all signed thursday and they filed them yesterday so the house is now ours and the utilities are in our name. The problem you ask? They are still in the dang house. By filing 4 days early we have to pay 4 days interest plus utilities and they have been goofing off all friday and did not get the stuff out. Now they are saying they might, MIGHT, be out my sunday. If the contract said monday but they told everyone friday and they are living in our house on our utilities what are my options. Should I just be patient and wait and if they are not out by monday sue em or should I get nasty. My wife says calm down but dammit I am tired of people trying to take advantage of me.They could move their remaining stuff in like 3 hours tops yet we lose an entire weekend and had to put off our mower and furniture shopping because they changed their mind. Oh, once again on our utilities and our interest money.
     
  5. denddon

    denddon Member



    Lisa; I have been living in the house I'm buying on the "Island" for 5 yrs. My house is right off Sea Pines, right across from the sand dunes. I can't imagine living anywhere else, it's that nice. Hope you get to move back one day! Den
     
  6. humblemarc

    humblemarc Well-Known Member

    Yikes,
    the contract says monday? I would suggest charging them "rent" for everyday that they stay in the house, but i'm not sure if you have any legal standing to sue them. Tell them you're going to charge them rent, and let's see how quickly they move out. Or you could pay them some money to get out immediately, it you really want them out right away.

    humblemarc
     
  7. suzza

    suzza Well-Known Member

    I agree. They should be paying you rent if they were not out when they were suppose to be. It's a very common mortage issue.
     
  8. herauntsis

    herauntsis Well-Known Member

    Picantel, I am sorry to hear that. I don't know how things work in Texas, so I am afraid I can't help you.

    Let this be a warning to everyone who is buying a home to GET EVERYTHING IN WRITING!!!!! In that kind of a situation, you should get an escrow amendment (or whatever works in your state) signed by both parties that says exactly what is going to happen if you change the closing date (or anything else in the contract). An honorable person should have no problem signing something that lays out the changes in the original deal. Then you are protected if the other party does not abide by the terms of your agreement.
     

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