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colliemommie) wrote2013-11-14 08:47 am
Ta frakking da
We have a mortgage.
More accurately, I got us a mortgage approved.
I would not relive these past three days for anything. The whole process seems designed to keep the customer completely confused and depending on whatever the agent says. Then they try to keep you from talking to anyone else with these dire warnings about the effects of "mortgage shopping", which is complete crap. Credit checks for mortgages don't negatively impact your credit score as long as they are all within 30 days
It's also interesting how not returning calls can magically cause your interest rate to improve. Don't answer the phones for 18 hours and miss I-cant-possibly-go-below-4.5 suddenly offers 4.25.
We should be getting the papers today, and then we are set.
So glad to be done with that shit.
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and I totally relate, I remember those few weeks being a maelstrom of emotions and confusion and it was *hard* and we were expected to either be dumb as bricks or already know what everything meant.
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I will say, I've had like 500 jobs in my life. One of them was for a repo company, which I thought was a slimy job, until I worked for a mortgage company. Woo boy, the mortgage people are some of the slimiest. NOT all, by any means, but yeah, lots of double talk, game playing etc. I know, cool story, bro.
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