Two weeks after I intervened to rescue our 4.75% mortgage refi interest rate when the dopes at the bank were about to let it lapse, I had to straighten out another of their screwups on the eve of closing.
Maria was able to prod them into setting a closing date earlier this week - 9:30 a.m. next Monday.
I've been checking since then to learn how much we need to come up with in property taxes. I was told we needed a cashier's check for property taxes at closing.
I called the bank yesterday and was told the woman who does that stuff would crunch our numbers and call me with the amount today.
So I stayed at home all day waiting for the call that never came. Finally, I called the bank at 3:45 p.m.
Turns out the woman had been calling the wrong number all day. But she didn't realize it was a wrong number because the woman who kept answering didn't tell her it was a wrong number. Duh!
I told her I was kinda eager to get the information so I could get a cashier's check in time for the Monday morning closing. Well, it turns out that a personal check will do.
So I wasted a whole day waiting for some moron who can't get a phone number right.
But wait, it gets better.
When she told me how much the new house payment would be, it was only $135 less than we're paying now. We expected something more like $250 in monthly savings.
She decided to check some numbers and said she'd call me back. I waited until about 4:45 p.m., then I called her.
It turns out that the underwriter (who is on vacation, of course), entered the wrong interest rate. Instead of the 4.75% we locked in way back in freaking April, the underwriter entered 4.875%.
That shaves another $14 and change off of our monthly payment, which is movement in the right direction, but not much.
And it leaves us wondering what else they've fucked up.
No comments:
Post a Comment