Happy Dance

Well, we kind of closed last Friday. We just could not take possession or legally get the keys until the title company received the signed contracts via FedEx on Monday. 

Point of information: no lawyers are involved in house sales/purchases in Florida. Instead, an Unholy Trinity of realtors, lenders, and title companies process all house sales/purchases.  I hate to admit it, but I think the absence of lawyers is why house purchases are so complicated down here.  Duh… There are no overpriced legal superheroes to move things along or intimidate lesser beings with their legal expertise and authority. Consequently, you end up putting your hopes and dreams in the hands of entrepreneurs, egomaniacs and bean counters. It is kind of a crap shoot. I am finding that quite a bit is different in Florida. 

There was no advance warning that we would not get the damn keys on Friday. The notary who was doing the remote closing for the title company (located hours away in Fort Lauderdale) did not even know. But one of the last documents was a form for our realtor to sign stating she would not release the damn keys to us until the title company received the “wet signatures” of the signed documents.  In realtor world “wet signature” means the original signature.  Very descriptive, I think.  I use that term all the time now because I think it is cool. Wet signatures.  “Excuse me, I need a Wet Signature over here.”

Anyway, our lovely realtor had never heard of such a thing in all the closings she had done.  We had already wire transferred our down payment to them the day before so it was not a matter of seeing the money.  The signed closing forms were scanned and emailed immediately after closing.  They had what they needed to release the damn keys. The closing took place on Friday afternoon.  The FedEx package could not arrive until Monday.  The whole weekend would be lost. No one at that table could believe that we could not have the damn keys. We thought it must be a mistake.

Our lovely realtor called to clarify and get their approval to give us the damn keys so we could get in to the house over the weekend and start cleaning. The movers were to arrive on Monday.  Unfortunately, the lady at the title company was adamant that we could not be given the damn keys until the FedEx package arrived on Monday with the Wet Signatures.  Our lovely realtor asked to talk to the manager.

Then a heartless bitch with an attitude like you would NOT believe got on the line to read us the riot act. She said she was the owner AND the president of the company, ha! She acted more like the Queen of Sheba. She was horrible. I simply cannot believe someone that rude could own a successful company. I think she was lying about being The President and must just have been the clerk sitting next to the one who answered the phone. They probably play good cop/bad cop all day long and then laugh about it afterwards. Had we been in the same room with her (a room with an exposed light bulb hanging from the ceiling), I have no doubt whatsoever that she would have sucker punched our lovely realtor and kicked me to the floor. 

Our lovely realtor got in a huge and nasty argument on the phone with Ms. Monster Mouth (aka The President) over the damn keys.  Our lovely realtor was kind enough to put the phone call on speakerphone so we could hear both sides.  You should have seen the look on the notary’s face.  So what can I say?  I quite enjoyed it. Most fun I have had in months. I even managed to stay out of it. Really. I am not kidding. Well, I did yell something out at one point, but only one time. I am pretty sure that one “shout out” does not really count.

We moved in on Monday, right after getting the okay from The President. The movers met Tom at the storage unit at 3:00 pm and loaded up while I took the damn keys to the new house and cleaned furiously. The movers brought all our earthly belongings around 6:00 and were gone by 8:00. They did a great job.  

The past few days we have been nesting, buying odds and ends we need, opening boxes and putting things away. There are so many boxes. I am quite sure it will takes months, if not years, to empty them all. We have cable TV and internet – real fast internet, not like in the travel trailer. The long wait is over. We have a home.  Life is good. And it will be even better when the pool is functional.  I could cry I am so happy. But of course I don’t cry, so that’s not gonna happen.  

Cheers!

Closing Thoughts

Yesterday we received the final paperwork clearing the way for closing on our house tomorrow, Friday, June 27^th.   Today I am a whole body pretzel with all my fingers, toes, and appendages crossed.

This closing will take place 4 months after our original closing date was cancelled for the same exact house, and 3 months after the subsequent closing date was also cancelled and the contract terminated by Fannie Mae.  As you may remember, we had already sold our NYS house so we had to move down here anyway within days after the termination of the Florida house contract in late March.  It has been a challenging adventure.  The inconvenience of not having our belongings and practically living on top of each other in a travel trailer out in the boondocks will come to an end.  I still fear Fannie Mae will cancel at the eleventh hour and leave us high and dry, even though I rationally know all will be well.  I cannot help it.  Stuff happens.  I have some trust issues now. When you do not own a house or have a permanent home the world can be a scary place. Being at the mercy of landlords, government agencies, and bankers is an invitation for heartache and dehumanization.  I will not forget the lessons learned here. 

The movers are scheduled to bring our furniture and millions of boxes out of storage and to the new place on Monday.  We also have a delivery scheduled for new appliances. Utilities are being transferred.   TV/internet/land line phone services are scheduled for next week.  If I had a brain in my head I would have contracted with a cleaning service to clean the place before we move in, but I did not because when I shake my head nothing rattles, so I guess that means I am brainless.  Perhaps part of me wants to get in there and clean the place from top to bottom myself, making it my own, getting to know it up close and personal?

I am astounded to find I am a bit sad to leave the trailer.  Quite seriously, I am more sad and nostalgic about leaving this trailer than I was in March when we left behind our NYS house of 24 years.  What the hell is wrong with me?  I guess it is because the past 3 months have been hard for us.  This little trailer was a home when we had none, a sanctuary that served us well when we needed one. 

I will be without internet for a few days after we move, so I probably will not post again for a week.   If all goes well, it will be a very happy post. I think I can remember how to pull that off.

Right or wrong, here are my "closing thoughts" on our recent circumstances:  We were fortunate in many ways.  For one, we could afford to find a short term rental situation that was safe and private.  We knew we would eventually buy a house.  We have family near by, and friends a phone call or email away who gave us emotional support.  I am painfully aware that many people who do not own a home do not have resources or options.  The truly homeless are the saddest of all.  They are vulnerable beyond belief.  Can you imagine how awful it would be to end up in a homeless shelter with no money and little hope?  Like I said, stuff happens and sometimes you do not see it coming.  It can spiral outside of your control.  In some cases people lose their jobs and then they lose their house.  This is why so many of these houses for sale in Florida are foreclosures.  These former homeowners are not slackers or the mythic welfare cheats.  They are middle class parents with children who bought houses when the market commanded ridiculously high prices, thinking they had secure jobs and a safe, secure future.  They did not, and it was not their fault.  Someone once pointed out to me that, contrary to popular belief, it is actually physically impossible for a person to pull themselves up by their own bootstraps.  Sometimes you need help.  The banks did not always work with the owners to help them stay in their houses until their finances recovered.  It can be a cold, cruel world when money is the driving force.  During our house search I saw willful damage some of the people did to their homes before they were forced to moved out.  I was both shocked and moved.  Shocked because I could not condone their actions.  Moved because I could understand the anger and frustration that drove them to do it.  I am hyper aware that we are getting this house because someone else had to give it up.  Perhaps our recent (and in retrospect, mere) 3 months of struggle was a means for us to fully appreciate having a home.   I am grateful to our realtor and our lending agent for the kindness they showed and the help they gave us.  Compassion without judgment is the greatest kindness.  This is the lesson I have recently learned.

Big sigh…