Today we signed on the dotted line and officially became homeowners again. It was days late because we were supposed to close on October 21st, but items in the paperwork kept being nitpicked and reworked. The mortgage industry (specifically an underwriter in our case) is very cautious these days and their ducks in a row had to have military precision. The dollars short is actually a very good thing – everything came in lower than the good faith estimate. This is due in part to the estimate being on the high side so we’d be ready for a worst-case scenario.
House buying is a harrying process and having good people working with you makes a world of difference. Our first home buying experience included an inexperienced real estate agent and an efficient but indifferent mortgage company. This time around, we had a wonderful duo of women helping make the process a little less painful.