As much as I would love to vent in the blog post I decided not to. I have talked to a few other people who have built new homes and used mortgage companies other than NVR and they expeirenced the same thing I am experiencing. Therefore I have concluded that it is not NVR's fault but rather the process. Overall the Processor at NVR has been great. She has been very upfront with me reguarding information she was missing. We received some news from NVR today and it is to complicated to put in writing so lets just say it resulted in $1725 of the money we have saved up for closing cost as no able to be used towards closing costs-something about loan refunds or whatever....so that makes for another $1725 that we have to save from our paychecks by February 1st... except they want confirmation that it is in our bank account by Januray 27th...whatever it will be there just a little annoying that we have $1725 in our bank accounts that we are not allowed to use at closing- but we are not allowed to spend it until after closing either.
So then I got an email from my loan officer with a breakdown of what we are "offically" going to have to bring to closing, and it is about $1000 more than what we have been told during this entire process (including verbally last week). I do not understand how this is as if anything it should be lower due to the credit we got for locking in our rate. Then we found out that about $500 of it is going to be taken off of that estimate so that is a little better. It is still annoying that we thought we had all the money we needed for closing and now we need an additional $2225 before January 27th.
In other news we are going to walk through the house tomorrow. I think all the major stuff is done except countertops and stove/microwave...which PM said would be done Yesterday or the day before. They painted our front door on Monday. Our final walk through is scheduled for Tuesday January 29th so less than a week away. I can not belive we close a week from Friday...It feels so surreal. Of course school started back up about 2 weeks ago so that has kept me plenty busy. Between that and packing I don't think I have had time to really obsorb the fact that we will be homeowners in less than two weeks.
Jason is a little sad that we will not be getting a driveway until it warms up. There was a really small window of 50-60 degree wheather last week and Jason thought for sure they would have done it...and they did do our neighbors but ran out of time for ours. I am very excited to be moving in but I have to admit the place is a mud pit. There is dirt and mud EVERYWHERE. I will be so happy when they can install the driveway and sod. Well I just wanted to get everyone up to day as I know I have not been writing a lot latly. Mostly pictures.
As always Happy Building!