Not Home For The Holidays

It's the end of the year, practically, and I'm in a horrible mood.  My dream of home ownership for 2010 is unattainable, and I don't feel that things are promising for 2011.  Typical me, I want to blame someone for this.  When I'm angry or hurt or slighted, I must direct my emotions to someone.  I feel better doing this.  The person solely receiving all the blame this time is my realtor.  Around the time of my birthday, the middle of December, the promise of closing on a house fell apart.

On that day, my birthday, my realtor called me and told me to contact my mortgage broker because I had to close before the end of the year.  So, on December 13, with approximately 12 working days left until the end of the year, I had to get my loan originated, underwritten, approved, and closed.  I told my realtor this was nearly impossible.

The house I was purchasing was a short sale, and I knew that my loan officer would need to see the short sale approvals as a part of the loan process.  When I requested those from my realtor, they never materialized.  I could see that this closing was not really going to happen by December 31, and I would be left holding the bag for the cost of a survey, appraisal, and home inspection for a home that would never really be mine.

We didn't give up right away; our realtor convinced us to submit a new, lower bid for the house, and it was quickly turned down by the sellers.  And, in keeping with the mess that this whole process has been, my realtor informs me that the sellers are not approved for a short sale.  Therefore, this means that some time between December 13 and December 23, ten days, the sellers went from a short sale approval to no approval at all.

I am frustrated because I feel helpless and stressed because I'm worried that there is not a house out there for us.  I am also sick of living in this small apartment and anxious to move out.

I've not done much knitting this holiday season but I'm planning to expand my craft during the new year and tackle a bigger project.  Perhaps something like a simple cardigan.

I will blog again before the actual end of year.

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