And this is what happens when I get too optimistic about things.
Underwriting team came back wanting further information... They need a letter from Serena stating that she will continue her employment at the law firm she works (remotely) at because of the distance between where we're planning to move to and her workplace. They need that same letter for me, and I won't be able to continue working due to there being nowhere I can directly transfer to, so I have to start fresh. That's going to cause a problem. What's also going to cause a problem, probably: the fact that Serena forgot to change her address on her banking account, and she had TWO DELINQUENT PAYMENTS (one because autopay fucked up, the other was on an account that was closed two years ago and the delinquency satisfied).
We have a fuckton of cash assets and savings. I texted my brother telling him all this and he says that cash assets matter. They'll likely ask for additional payments in escrow to ensure payments are made, or a bigger down payment, or something. I am literally shaking right now because literally EVERY SINGLE TIME I've tried to get out of this situation something has ALWAYS HAPPENED and I've ended up stuck here wanting to die. Mike said that they'll take everything into consideration and crunch some numbers to see what needs to happen, because he apparently ended up in this same situation when going through the mortgage process. They just needed to fork over more money upfront. Which would be fine, we have the funds.
But sometimes that isn't enough.
I WANT TO BE OUT OF HERE.
Because if not... I can't be around anymore. Plan B is literally death.
I sent off an email to my associate relations manager asking for the letter that M&T needs...and hoping that this doesn't end up literally fucking killing me.
Underwriting team came back wanting further information... They need a letter from Serena stating that she will continue her employment at the law firm she works (remotely) at because of the distance between where we're planning to move to and her workplace. They need that same letter for me, and I won't be able to continue working due to there being nowhere I can directly transfer to, so I have to start fresh. That's going to cause a problem. What's also going to cause a problem, probably: the fact that Serena forgot to change her address on her banking account, and she had TWO DELINQUENT PAYMENTS (one because autopay fucked up, the other was on an account that was closed two years ago and the delinquency satisfied).
We have a fuckton of cash assets and savings. I texted my brother telling him all this and he says that cash assets matter. They'll likely ask for additional payments in escrow to ensure payments are made, or a bigger down payment, or something. I am literally shaking right now because literally EVERY SINGLE TIME I've tried to get out of this situation something has ALWAYS HAPPENED and I've ended up stuck here wanting to die. Mike said that they'll take everything into consideration and crunch some numbers to see what needs to happen, because he apparently ended up in this same situation when going through the mortgage process. They just needed to fork over more money upfront. Which would be fine, we have the funds.
But sometimes that isn't enough.
I WANT TO BE OUT OF HERE.
Because if not... I can't be around anymore. Plan B is literally death.
I sent off an email to my associate relations manager asking for the letter that M&T needs...and hoping that this doesn't end up literally fucking killing me.