- Joined
- Jul 26, 2007
- Messages
- 2,215
Rep Bank
$1,830
$1,830
User Power: 23%
So... I have been in the process of trying to move to Las Vegas since June. Fortunately for the rest of the world I have come across THE stupidest person on the planet. Bad news for me is that he's my lender. Good news for everyone else, his name is Jon Burtness and he works for Southern Fidelity Mortgage--so just steer clear of him.
Long story short, I am 2 months (yes, months) over my closing date. This means 2 months of living out of a suitcase. Two months of wearing the same 5 sets of clothes I had (thankfully over packed) in my "weekend" travel bag. Two months of carting my two dogs who don't travel well everywhere with me. Two months of couch hopping and hotel stays. Two months without grocery shopping and eating crappy take out (can't even go in for a decent meal due to the dogs and the weather--too hot.) Two months of being strung on by my lender, being told that it's just this last piece of paper, or this last signature or this last whatever, and that we'll close on Wed or on Friday or tomorrow.
So I signed loan docs for the second time on the 14th. We still haven't funded. I was assured and reassured that we'd fund Friday. I said I wasn't getting in the car until my Realtor had keys. Didn't fund Friday. Was told that my paperwork was third in line for Monday, so I head out to Las Vegas. Just me and my dogs who travel as well as three year-olds on a sugar high.
So I get to town, and head over to the "new house". I get there, and let the dogs into the backyard to go potty. While I'm scoping the place out, my one dog jumps straight into the algae-ridden pool. She comes out thrilled with herself for figuring out a way to cool off, but now smells like the Creature from the Black Lagoon's butt crack. Ten phone calls later, I find out we aren't closing again today. Why? The HUD was wrong--again. I called my Realtor and told him that I'm not signing another extension. I'm done. Someone owes me about $10k and a big, fat fu&*#%g apology if we don't close tomorrow.
So here I sit in a seedy motel with two dogs, one of which smells like she should probably just get on antibiotics to be on the safe side.
So what can I do? What recourse do I have? ...I have spent oh, I dunno, maybe $2k on food and lodging in the past 2 months, not to mention lost wages, stress and potentially earnest money, appraisal and home inspection funds, all-in-all $10k. The kicker is that the lender that has shit for brains is MY lender. I will be contacting the JAG (military attorney) office tomorrow. But I'm angry as hell and want someone's head on a stake. I don't think the seller will sign another extension, and I'm done too. I don't believe them anymore that they can get this loan thru. There is nothing weird about this loan either. It's a VA. We have credit scores in the upper 700's to lower 800s. We have no credit card debt or car loans. We have 6 figures liquid in the bank. We go to church on Christmas eve, I wash behind my ears and I always return my cart to the the cart return at the grocery store. Why? Because we are solid (and nice I might add) fu%^&ing people. I came into this deal being preapproved and with no contingencies (got the other house rented a month before I went house hunting.) Point being, it's not us, it's them.
If we don't fund tomorrow I am seriously debating about parking my car in their parking lot, getting some car paint and writing "Southern Fidelty knows my husband is military and deployed, and has cost me $10k and now me and my two dogs are homeless." ...And then calling all the local media.
What would you do? I don't want to take this lying down. I've already made calls to the head broker of both the lender and the realtor and all I get is, "Yeah, you are right, uh huh, someone dropped the ball. I don't blame you for being upset. Blah, blah. We apologize for any inconvience." My response is, "...Any inconvience?! Any inconvience?! Here's the deal...I don't want apologies. I don't want excuses. I don't want cliches and I don't want lies. I want the m$&*er f^#ing keys to my mo#^er fu#^ing house. I'm not asking for healthcare reform, I'm just asking for someone to do their m$&*er fu*%^ing job!"
Seriously. I am so close to like hulking out here--turning green and flipping cars over and such it's not even funny. ...What would you do besides start drinking?
Long story short, I am 2 months (yes, months) over my closing date. This means 2 months of living out of a suitcase. Two months of wearing the same 5 sets of clothes I had (thankfully over packed) in my "weekend" travel bag. Two months of carting my two dogs who don't travel well everywhere with me. Two months of couch hopping and hotel stays. Two months without grocery shopping and eating crappy take out (can't even go in for a decent meal due to the dogs and the weather--too hot.) Two months of being strung on by my lender, being told that it's just this last piece of paper, or this last signature or this last whatever, and that we'll close on Wed or on Friday or tomorrow.
So I signed loan docs for the second time on the 14th. We still haven't funded. I was assured and reassured that we'd fund Friday. I said I wasn't getting in the car until my Realtor had keys. Didn't fund Friday. Was told that my paperwork was third in line for Monday, so I head out to Las Vegas. Just me and my dogs who travel as well as three year-olds on a sugar high.
So I get to town, and head over to the "new house". I get there, and let the dogs into the backyard to go potty. While I'm scoping the place out, my one dog jumps straight into the algae-ridden pool. She comes out thrilled with herself for figuring out a way to cool off, but now smells like the Creature from the Black Lagoon's butt crack. Ten phone calls later, I find out we aren't closing again today. Why? The HUD was wrong--again. I called my Realtor and told him that I'm not signing another extension. I'm done. Someone owes me about $10k and a big, fat fu&*#%g apology if we don't close tomorrow.
So here I sit in a seedy motel with two dogs, one of which smells like she should probably just get on antibiotics to be on the safe side.
So what can I do? What recourse do I have? ...I have spent oh, I dunno, maybe $2k on food and lodging in the past 2 months, not to mention lost wages, stress and potentially earnest money, appraisal and home inspection funds, all-in-all $10k. The kicker is that the lender that has shit for brains is MY lender. I will be contacting the JAG (military attorney) office tomorrow. But I'm angry as hell and want someone's head on a stake. I don't think the seller will sign another extension, and I'm done too. I don't believe them anymore that they can get this loan thru. There is nothing weird about this loan either. It's a VA. We have credit scores in the upper 700's to lower 800s. We have no credit card debt or car loans. We have 6 figures liquid in the bank. We go to church on Christmas eve, I wash behind my ears and I always return my cart to the the cart return at the grocery store. Why? Because we are solid (and nice I might add) fu%^&ing people. I came into this deal being preapproved and with no contingencies (got the other house rented a month before I went house hunting.) Point being, it's not us, it's them.
If we don't fund tomorrow I am seriously debating about parking my car in their parking lot, getting some car paint and writing "Southern Fidelty knows my husband is military and deployed, and has cost me $10k and now me and my two dogs are homeless." ...And then calling all the local media.
What would you do? I don't want to take this lying down. I've already made calls to the head broker of both the lender and the realtor and all I get is, "Yeah, you are right, uh huh, someone dropped the ball. I don't blame you for being upset. Blah, blah. We apologize for any inconvience." My response is, "...Any inconvience?! Any inconvience?! Here's the deal...I don't want apologies. I don't want excuses. I don't want cliches and I don't want lies. I want the m$&*er f^#ing keys to my mo#^er fu#^ing house. I'm not asking for healthcare reform, I'm just asking for someone to do their m$&*er fu*%^ing job!"
Seriously. I am so close to like hulking out here--turning green and flipping cars over and such it's not even funny. ...What would you do besides start drinking?
Dislike ads? Become a Fastlane member:
Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)
Membership Required: Upgrade to Expose Nearly 1,000,000 Posts
Ready to Unleash the Millionaire Entrepreneur in You?
Become a member of the Fastlane Forum, the private community founded by best-selling author and multi-millionaire entrepreneur MJ DeMarco. Since 2007, MJ DeMarco has poured his heart and soul into the Fastlane Forum, helping entrepreneurs reclaim their time, win their financial freedom, and live their best life.
With more than 39,000 posts packed with insights, strategies, and advice, you’re not just a member—you’re stepping into MJ’s inner-circle, a place where you’ll never be left alone.
Become a member and gain immediate access to...
- Active Community: Ever join a community only to find it DEAD? Not at Fastlane! As you can see from our home page, life-changing content is posted dozens of times daily.
- Exclusive Insights: Direct access to MJ DeMarco’s daily contributions and wisdom.
- Powerful Networking Opportunities: Connect with a diverse group of successful entrepreneurs who can offer mentorship, collaboration, and opportunities.
- Proven Strategies: Learn from the best in the business, with actionable advice and strategies that can accelerate your success.
"You are the average of the five people you surround yourself with the most..."
Who are you surrounding yourself with? Surround yourself with millionaire success. Join Fastlane today!
Join Today
)
