House Shopping XI

I have sought out a mortgage for my “1860” house and have been waiting patiently to hear whether I am approved or not. I assumed that if you were preapproved you would automatically be approved but apparently such is not the case. From time to time my mortgage guy e-mails me a piece of paper to sign. I print it, sign it, scan it, and e-mail it back. Sometimes the bizarre language used in the contract gets the better of me. It sounds as if I am signing my life away. Then I have to call my mortgage guy for reassurance before I sign. Because this is a 203K it is quite complicated and so there are more papers than usual.

I went over all my credit reports in the spring, but since then someone has slipped in a derogatory event on one of my credit reports, which, while not true, is holding up progress. My mortgage guy says we are on track. Each time I talk to him he makes a new prediction about when the deal will be done and he suggests the results will be positive. But I am starting to wake in the middle of the night again. This has got to be one of the longest real estate deals in history. Maybe today will be the day. I am trying to pretend this is just an ordinary day, but it’s not, it’s 9/11 and I don’t know if I even want my mortgage to be approved on this day. I guess by now I just want it to be approved on any day.

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