RyansPrincess's Journal

So in my last journal entry I mentioned that we are buying, or attempting to buy, a house.  It has been one of the hardest processes that we have gone through.  People are just so wrong and unethical.  We put in a bid at $210,000 and it was accepted by the sellers and their attorney and the offer was submitted to the bank for final approval.  Well the listing agent calls our agent and says that the bank wants $215,000 and it's firm.  So at this point Ryan and I think the deal is off because we cant come up with another $5000.  Our appraisal came in at what we needed, we got the financing for the amount we needed,  we submitted a down payment and signed contracts and this was just like hitting a wall.  So my attorney (who I LOVE and can totally understand why he gets paid what he does) sends out a very strongly worded letter to the sellers attorney (in NY state you have to have an attorney for any real estate dealings) and the sellers attorney in turn forwards the letter on to the rep for the bank.  The rep for the bank calls my attorney and says that they knew nothing about the different price.  Apparently the listing agent took it upon herself to say that the bank wanted $215,000 and would not accept anything less.  At this point Ryan and I are pissed and kind of upset.  In this market, why would they kill a deal for $5000 when ours is the only offer on the table and we are all ready with the financing and everything.  So the rep from the bank confirmed what we thought, that they arent willing to let this go for $5000 and they are definitely seriously looking at our offer.  So things are back on and hopefully we can get this resolved and we can close before Christmas.  I am keeping my fingers crossed.  This has been a roller coaster ride and kind of a nightmare.  Not exactly what I was expecting our first time home purchase to be like. 

My stress and anxiety hasn't gotten any better.  Things are still super hectic with work and with the coming holiday season, it isnt going to get any better.  The holiday season at the bank is usually very busy and very demanding.  Customers are assholes, plain and simple.  They want what they want, when they want it and if you dont give it to them, it goes very badly.  I work in a very rich and affluent neighborhood.  Customers come in looking for large sums of cash and our gift cards go out the door as quick as we can get them in.  LOL .. sounds great doesnt it??  I have to be fair though .. not all customers are bad,  most of my usual customers are wonderful and the constant business will make the days go by faster.