So as those couple people that actually still come here have noticed, I've been a bit lax in posting... As I mentioned in my last post, I'm buying a house, and it needs help... That is a sure fire source of material to blog about, so I imagine that will help me a bit... I'm moving my girlfriend almost 3 hours from me at the turn of the new year, and while that is about the worst thing I can imagine having to do, I suppose it will free up some time for me to get back to this...
Now, here's the reason for today's rant... For those that have never purchased a home, this may seem silly, but it's reality, and I'm sure someone you know that has gone through this can confirm its real... You start naturally by finding a house... Most people go to a realtor, and the realtor finds possible homes, but I did my search through the net, and just contacted the listing realtor if I was seriously interested... So I found my place, and went through the walk through, gave them the price, we haggled and settled on the final number... So far, while it was frustrating, it seemed pretty simple... Now the fun begins... The contract goes to Attourney Review... The lawyers for both parties try to out-do the other in putting in clauses, and conditions to protect their client... It goes back and forth between them, and eventually it comes back out of review. Usually it takes 3 days... Mine went 8 days... Ugh... Next I called the mortgage company I had contacted earlier to get a pre-approval so that I could get the actual loan... I'm not going to go in to the details there, but this has consumed 5 days of my life I can't get back, and we're not done yet... Today, I called an insurance provider to start down the homeowners insurance road... They grilled me for 30 minutes about the place. When we got to the electrical system in the house, there was a problem... The house has fuses right now... They say Oh... I say I'm getting breakers put in a couple days after closeing prior to moving in... They say they can't write a policy for a house with fuses... I say I can't bloody well replace the panel before I own the house, the mortgage company won't give me the loan without having insurance, and you won't write a policy untill I perform work I can't until I own the place... Have you noticed the circular paradox?... I'm now 2 supervisors up the food chain there, and they all seem very confused about the whole situation... I bloody well know I'm not the only person that has ever purchased a house with fuses... I would be willing to bet I will have that panel changed out faster than 95% of the people that have somehow purchased the house with the dreaded fuses... I swear the entire experience is about as miserable as they can possibly make it...
Just give me the money, the insurance and the keys, and nobody will get hurt!!!
And I haven't even gotten to the survey, and closeing yet... What a way to spend on of the busier parts of my year...
Just letting you know I still stop by, and I know what house buying is like. It's like they *try* to make it a pain.
Posted by: Ted at December 13, 2004 12:30 PM