Hunting for a Home, part 5

So where were we...?

Oh yes, so we got our loan approved and after that, we were just waiting to close. It turns out that the sellers were willing to close at the end of July rather than in early August like we were told originally, which is good news for us because of our arrangement with the bank to lock our rate. Hubby went back to the bank to renegotiate our rate since it went down and all was well. We agreed to let the sellers stay in the house after the closing until early August. So then came the long wait where nothing interesting happened.

Before we knew it, it was one week before the closing and we were waiting for our lawyer to tell us how much money we will need to bring for the closing. Unfortunately, he was waiting for the bank lawyer to tell him. The walk through was scheduled for the morning of the closing at 9am and the closing was to take place in another borough soon after. On the morning of the closing, we still had not received the number from our lawyer, who still had not been able to get the number from the bank lawyer. We were still waiting after the walk through and I must say was getting irritated, anxious and nervous. While we slowly made our way home after the walk through, our lawyer called with the number. We rushed to the bank to get the cashier's check and then rushed to our lawyer's office for the closing. Finding parking made us late, but we got there in the end. Whew!

Once at the office, we had to start signing stacks of paperwork. Our lawyer explained the important points of each stack of paperwork before having us initial and/or sign every page. Everyone there was very friendly and there was nothing contentious or non-standard. It was a pretty simple, straightforward closing and yet, it took 4 hours! That made it so that we were just in time to hit rush hour traffic on the way home and a 35 minute trip took 2 hours!

By the time we got home, we were exhausted. We still went out one more time to pick up boxes for packing and then went out to dinner. The next morning, we were still exhausted, but at least, we are now homeowners!