Life is making me very sad right now. I'm trying to figure out why there are even such creatures as "lenders". There is a complete disconnect between what lenders say and know compared to what underwriters say and know. Pre-approval letters mean absolutely squat. (as our buyers discovered too). Every single lender I have talked with acts like this will be no problem at all. What is the point of them, when the underwriter makes the decisions. It's a really stupid system. Not to mention bottom line of it all - the mortgage I am asking for is less per month than I have been paying, for years, with no problems. All the info I give the lender for my financials? well, none of the facts change when it goes to the underwriter. Seems like they could have a much better system to make the "pre approval" process much more accurate.
I was still working with a lender on the land loan part. Friday she seemed pretty confident it was going to go through. Yesterday she tells me no. And get this - if I had applied a week earlier, it would have gone through. Their underwriting changed their policy the week before that they will now only make loans 7 years past bankruptcy. Their previous policy had been 5 years. One week!
And then the other day one of our dogs found a baby bunnies nest under a bush under our kitchen window. Looks like they had probably just been born in the last day or two. DH put a bit of chicken wire up between the bush and the house, so the dogs couldn't get their paws and noses back in there, but momma bunny could still get to them no problem. We have been keeping an eye on them for past few days. So cute and tiny. Cutest little things. Well, apparently last night one of our barn cats found them and got them (saw one cat go there twice, on the camera). No baby bunnies left and the poor momma bunny just keeps sitting out on the grass in front of the bush wondering where her babies are. It's making me so sad.
The last 2 showings of our home scheduled turned out to be no shows. Monday's showing the realtor showed up, but not her clients. Our camera system shows this to be the case, but when our realtor asked for feedback from her (before knowing they didn't show up) she lied and said they were still considering it and still looking at other houses. Tuesday's appointment just didn't flat show up. By that one I was mad. It's not like I'm at work, so not home anyway and no big deal. We have to take the dogs with us. I knew the appt was at 1pm, so I went into work early, left at 11:30. We left the house at 10 min before 1pm and waited over in a parking lot for almost an hour. Thankfully we have camera's to see on our phone or we'd never know when it was ok to go back. Finally we just said that was long enough time to give them.
DH's truck is having brake problems, so until he can get it into the dealer, he doesn't want to drive it until it's fixed and we don't want to fork out the money right now. So, I need to be here when we have a showing, so we can leave in my car. (plus his truck is all lifted up and hard for dogs to get into). I have no problem working my schedule around whenever it's most convenient that someone wants to come look. I have not rescheduled any of the showings or told them it needed to be a more convenient time for me. But, I draw the line at not even having the common courtesy to let us know they aren't coming. Completely rude. I'm not going to make our dogs sit in the car for more than an hour, for no reason. Plus, I lost an hour of work that I have to make up.
We had set up our showings so that the realtors contacted our realtor as to what time they wanted to come (with 2 hours notice) and she would let me know the time. Yesterday I told her I wanted to change it to having the agent's call me direct to schedule (we were offered that in the beginning but I didn't do it that way). That way I can ask them to please call or text me if they are going to be very late or aren't coming at all. And if we are gone and sitting there waiting and they aren't showing, I at least have their phone number to call them up and ask if they need more time to arrive.
And we decided no more leaving before the agent gets here. Most all of them have been at least 15 minutes late or give us a 30 min window of when they will arrive. When they show up, we'll get in our car and leave.
These buyers agents are making their commission off of the sellers (me)! They could at least be courteous enough to let you know they aren't coming. Obviously, people's plans can change, but a simple call isn't that hard. When I told my agent that I wanted to make the change to how appts are made she acted like I was blaming her. I said I know you can't control what they do, but I have no problem asking them to call or text me if plans change and I also would have no problem calling that one up from Tuesday and giving her a piece of my mind, as to her professionalism.
So, let's recap our last 4 showings: one had a kid who spent several minutes gang signing our camera, one stayed a total of 3 1/2 minutes, one's clients didn't show and the last a complete no show. Ugh.
I am just plain sick of people at this point. I even had my original lender (way back when we were first listed our house) tell me I should pay ($500) to have an inspection done on my house before listing, (and referred me to someone) so that anything found could be fixed and addressed. I almost did it! She was full of $%&. The buyers pay for the inspections (usually) and even if a seller has an inspection done, it's not likely that the buyers would trust that it's impartial and use it anyway, so from everything I read up on it, that would be a complete waste of money (unless maybe you had a house with a lot of problems to begin with). So, most likely she was just trying to send business to someone she knew who does inspections.