This is all too hard.
I hate banks.
They took so long to give me my unconditional approval. Finally I got it and my settlement day is 8 DAYS AWAY!!
I have a package of crap here from the bank about the mortgage and stuff. I have to sign all the papers (which I can't understand) and send it all back. Once they get it it will take them 15 days to be ready for settlement.
It also states "you are responsible for any delay to settlement" but its THEIR FAULT
the first thing i need to provide them with is my "HOME INSURANCE POLICY"....
who told me to get home insurance already???? nobody!! that is supposed to be what my mortgage choice guy is for, to help me understand the steps.
I've only heard from him when I'VE CALLED HIM and he pretty much has done jack ****.
on my details form (application) for the loan it claims i have $30,000 in a 'deposit account'.
I barely have $3,000, and even with the first home owners grant it wouldn't equal that much....
Thats if he even applied for the FHOG, probably not.
I tried calling mortgage choice, he is out and will call me back. well the phone rang, and I answered and there was nobody there. GREAT NOW MY DAMN PHONE ISN"T WORKING!!!
why don't they use their noggin and ring my bloody mobile? I gave them both for a reason.
and I don't understand this mortgage crap..
"you are prohibited from selling, leasing or disposing of the property" -what so you expect me to live in my house in this **** hole town for a whole 30 years??
"you can not renovate, remove, demolish etc etc without asking the bank". why the hell not? its my damn house i'll do what I want with it.
Sorry if that all makes no sense I'm so mad I could cry...
Not to mention: the house I'm currently renting I've tried to give 28 days notice to break the lease, but one incompetent real estate sold his business to another, and passed the letter on but didn't explain my situation and now they haven't done anything with it, so now its all going to take even longer and i'll be paying rent and a mortgage at the same time.