So we replied to the offer that it had to be "as is" with no additional contingencies. We can't switch to a local bank. That was this morning, and we have heard nothing back since. The property is still listed as "for sale" and we have not been asked to bring in earnest money yet. I am left wondering if we made the right decision. I will probably never forgive myself if we go through all of this and our loan place backs out at the last minute... They're supposedly really good for home loans, but I've found plenty of bad reviews online. I'm going to keep hoping and praying and trying really hard to be patient and wait for this to play out. It feels like forever right now, but a year from now I won't remember this much frustration... Hopefully I'll just be enjoying the new home.
Today we got a partial update from the real estate agent. The sellers are OK with the price we offered, they liked our letter, but their agent doesn't like the loan company we're using and has requested we use a local bank. He (their agent) has lost two sales in the last ten days right before close when the lender we're working with suddenly rejected their loans at the last minute. The problem is that the local bank approved us for less than we offered, and was next to impossible to actually get a hold of. The lady at the local bank would not call back, is not available via email, and it wasn't until we told the real estate agent we'd been waiting going on two weeks to hear back from this bank lady that she (the real estate agent - who happens to be friends with the local bank lady) called her and asked her what was going on and only then did she bother to call us back. We don't want to use the local bank. So we replied to the offer that it had to be "as is" with no additional contingencies. We can't switch to a local bank. That was this morning, and we have heard nothing back since. The property is still listed as "for sale" and we have not been asked to bring in earnest money yet. I am left wondering if we made the right decision. I will probably never forgive myself if we go through all of this and our loan place backs out at the last minute... They're supposedly really good for home loans, but I've found plenty of bad reviews online. I'm going to keep hoping and praying and trying really hard to be patient and wait for this to play out. It feels like forever right now, but a year from now I won't remember this much frustration... Hopefully I'll just be enjoying the new home. We ate at Costco this evening. I'm against eating out, I think it's a waste of money, but Tony has been sick for over a week now, and honestly the hotdogs and brats are $1.50 and come with a drink... So we can feed all seven of us for $10.50 (or $13.93 if they want pizza at $1.99 each). Or $10 if we just buy one pizza. Today I had a salad. I wasn't feeling the brats and dogs, and pizza is now firmly on my "no list" of foods I can't have. I found a tomato that is heart shaped. It has a crevasse running on both sides (kind of like a tomato butt crack). Of course #4 saw this and immediately asked that we plant it. Then #5 chimed in with asking to save seeds too. So this heart shaped salad tomato came home with us, and I hope to process it for the seeds inside and perhaps it will make cute little heart-shaped tomatoes. Or maybe we'll just get a bunch of salad tomatoes. Either way, it's a nice experiment. We won't be growing them this year unless we get lined up to move before it's too late to start seeds. If we're gardening here, there's no space left for more tomatoes. For the last several weeks, #4 has found that some of the apples we've bought at Costco have germinated (starting to sprout) seeds inside. We planted one in a cup of soil under the grow light (with the dried up stick that didn't survive from the Christmas swap). After several days it didn't come up, so I thought maybe it had died. I watered the cup one more time and forgot about it for a week or two. Well, in three days it went from poking out of the soil to about 2-inches tall and starting to make first true leaves already! I hope I can keep it alive until it's warm enough outside to bring it out. Just think, in another 15 years or so, this cute little seedling might produce apples for us!
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