We finally closed on our new mortgage. It was a long and sometimes painful process that started in March when we stood outside for an hour and a half on a cold morning, waiting in line with fifteen hundred other people for a chance to refinance with CT Families at a low rate.
A blustery wind turned our noses red and made my lips dry and cracky. When we were finally let in, I passed a Webster bank table that had a cup with lip gloss in it. "You're not my bank," I admitted. "But can I have a lip gloss."
"Sure," the woman answered, "maybe we will be your bank someday." At end of the qualifying process, we had six different banks to chose from that worked with CHFA. The lip gloss turned out to be the tipping factor...
Over the next five months, we sent paper work, more paper work and even more paper work (240 sheets faxed over - everything but my eight grade diary). I faxed, called, nudged, pleaded and cajoled. Pretty much one guy at Webster got most of my crazy angst, Grant. And I have to say he not only handled it well, he turned out to be one really nice guy!
Our previous lender turned out to be dirty dogs, and added over nine grand in fees to the payoff number two hours before the first scheduled closing. That took almost a month to resolve (thank you Holly & Rick) and we finally closed on Monday, August 27th. As a parting shot at upping my blood pressure as much as possible, the old bank sent over the new closing number 25 minutes before we closed. Thank Heaven, they didn't up it again! Our Attorney was great (Gennaro Bizzarro - yes, really) but the woman that works for him, AnnaMaria, was grand - holding my hand through the last is-this-really-going-to-happen moments.
So it's finally sinking in - we are here to stay. At least for a while (like 30 years). The real benefit was having some great people share the ride. Holly and Rick who rode to the rescue with lots of support, emotional and otherwise. Louise who went looking for apartments with me - just in case. Andrew (our loan office at Webster that fought for us) and Grant who shuffled the paper work, kept on top of things and had unfailing good humor even when I didn't. The CHFA ladies in the refinance department who took my calls (I really shouldn't have) and got things done when I really, really, really couldn't wait any longer to find out what was going on.
And to the best husband of all time, Phil, who was convinced that things would work out and that we would not have to move. And who was even-tempered as always and solid as a brick through it all.
This is a heart felt thank you from me to all of you...champagne at our house four pm Saturday.