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Home > I almost didn't get the house

I almost didn't get the house

November 21st, 2008 at 04:29 am

but fortunately my realtor was willing to do whatever it takes to close such as begging her husband to get out of bed early this morning and go into the cold and cut bars of my windows.

Backing up a little, last night we got the all clear on the loan, 20 minutes later we were told we weren't going to be able to close until the security bars on the windows were removed. With a mere 5 days before the drop dead date, that wasn't good.

A flurry of phone calls and the sellers claim they will take care of the bars that night. I am in shock. These are the people who couldn't even sign the first contract on time. But hey, if they say they will....they didn't.

Realtor does a flurry of calls this morning, no one knows anything. She yanks her loving and very tolerant husband out of bed and has him accompany her to the house. The bars are still on. They begin work, more calls and emails ensue as people search desperately for the appraiser to confirm their removal and fortunately all is cleared with a mere 1 1/2 hours before closing.

All said and done, closing was the easiest and least stressful part of the day.

Both realtors saw the value of not trying to wait till the drop dead date. This is why I am always early and always prepare for potential complications. Life is less stressful if complications have time to be worked out.

Needless to say, we made sure to grab a thank you card and some gift certificates to a restaurant we know they go to alot. Funny part was, she had a card ready for us with a gift certificate to home depot. Smile She takes very good care of her clients.

My net worth is down 5k thanks to the purchase but its worth it to have a place of our own. Hurray!

Posted in Budget Info, Background Info, Goals | 8 Comments »

8 Responses to “I almost didn't get the house”

  1. Petunia Says:
    November 21st, 2008 at 04:54 am 1227243246
    1227243246

    Congratulations on your new home! Sounds like a typical house purchase to me. . . I've never heard of bars on the windows holding things up, but every one I know has had some glitchy thing happen.

  2. thriftorama Says:
    November 21st, 2008 at 01:36 pm 1227274569
    1227274569

    I don't understand why you couldn't get funding unless bars were removed from the windows. That's the weirdest thing I've ever heard.

  3. monkeymama Says:
    November 21st, 2008 at 02:54 pm 1227279243
    1227279243

    That is strange! (Maybe for homeowners insurance or something?)

    Well, Congrats!!!!!!!!!!!!!!

  4. Ima saver Says:
    November 21st, 2008 at 03:22 pm 1227280966
    1227280966

    Congratulations. Glad that is all behind you!

  5. cylenchar Says:
    November 21st, 2008 at 04:11 pm 1227283912
    1227283912

    The bars were an issue because it was an FHA loan and FHA viewed them as a safety hazard. If they were installed that way today, they would not meet code. Security bars now need a latch on the inside to release them so you can get out in case of a fire.

  6. Broken Arrow Says:
    November 21st, 2008 at 04:41 pm 1227285714
    1227285714

    Good answer, cylenchar. I suspected that that was it, but wasn't sure.

  7. Koppur Says:
    November 22nd, 2008 at 04:21 am 1227327664
    1227327664

    Congrats!!!

  8. frugaltexan75 Says:
    November 22nd, 2008 at 04:50 pm 1227372652
    1227372652

    Congrats on your new home!

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