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Posted

We had a closing date with a mortgage lender set up for Monday. The lending agent has been non-responsive for several days and sent me an email at 5:00pm saying that her dad was in the ICU and she needed X documents from us. One document was sent a week ago, one was regarding a business that I sold 20 years ago, and one was regarding a reappraisal that was done for an exceedingly stupid reason. She says that the underwriter will look at the appraisal Monday morning. Uhh, that is our freaking closing date.

How the hell does the lender know if the sellers are going to be cool changing the date and what are we going to have to offer to extend the date? Anyway, the question is whether there is any recourse against a lender? It seems like the answer is no because they haven't committed to anything yet since the underwriter hasn't signed off on the loan yet. We have movers coming on Monday and god knows where they are going to move our stuff to. It seems like the lending agent has fucked us over with promises only to miss the deadline and they haven't even given us a new closing date. All we have is a conditional approval which apparently means jack shit if the lending agent has other things to tend to and doesn't forward documents or contact her underwriting team.

Maybe I wouldn't be so pissed if the lending agent didn't wait until after the last minute to tell us anything, leaving everyone not knowing what was going and not even providing a new closing date. 2 days ago if she would have told us that her dad was in the ICU and it was going to delay closing, then we could have easily said something to all parties and changed the date. Doing it at 5pm on Friday - that's bullshit.

Posted

Phil's a good guy.   If he needs pics of your wife's tits to verify that you are who you say you are, it's OK to send them over.  It's standard procedure. 

 

 

 

 

 

 

 

 

(Phil, don't forget to PM me the tit pics)

  • Like 1
Posted
11 hours ago, Gil Bang said:

Phil's a good guy.   If he needs pics of your wife's tits to verify that you are who you say you are, it's OK to send them over.  It's standard procedure. 

 

 

 

 

 

 

 

 

(Phil, don't forget to PM me the tit pics)

Careful what you are asking for…..given the OP’s username.

 

IMG_5497.jpeg

Posted

I think the legal scenario here is the move of the closing date is a breach of the contract by you.  If the seller would rather hold you to it than just see what happens.

The damages to the seller would be hard to prove, but they're theoretically entitled to your earnest money.

If that scenario was to take place (seller accuse you of breach), you would certainly have a claim against the lender.

If the seller agrees to modify the closing date, you pretty much got nothing.

 

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