Closing on our house tomorrow and I'm so nervous!!

posted 2 years ago in Home
Post # 2
Member
2246 posts
Buzzing bee
  • Wedding: September 2014

BakerBee16:  I’m a worrier, so I always worry that something will go wrong with any major life event. 9 out of 10 times everything works out fine, and I regret wasting time worrying! I hope everything goes well for you. Congrats on the house, and good luck!

Post # 3
Member
4596 posts
Honey bee
  • Wedding: October 2014

Congrats! And yes, it is normal to feel like something will go wrong. But, no worries! Hopefully the Loan Officer has done their job and corrected anything that may have been their fault.

I felt that way when I closed on my house, and when my house closed when it sold – especially the latter. We had already had so many problems with buyers and offers, and things falling through that when the day finally came – I was crossing my fingers. Luckily, everything went smoothly and we drank in celebratiion that night! *lol*

I had a friend and her DH just close on a house back in June, and it was delayed some due to problems. They owned the place, but couldn’t get into it actually. But, once all of the weird stuff was resolved… it was smooth sailing from there.

Post # 4
Member
191 posts
Blushing bee
  • Wedding: May 2015

We also hit several speedbumps with closing our house due to scraping up some paperwork and I too was neverous about going in for closing day. Everything went just fine and I’m sure it’ll work out for you too! Congratulations. 

Post # 5
Member
2791 posts
Sugar bee
  • Wedding: May 2015 - Walnut Hill Bed & Breakfast

I’m with you! We close on Friday (first house). We had foundation work done yesterday and today… we need to get “proof” of it to send to the bank so they can officially approve. And that *should* be it. 

I’m nervous because I don’t have that final *what exactly am i writing this check for* amount yet. I’ve moved more than I think I should need from my savings…. 

I also have no idea how anything works after that… like water/gas/sewage/garbage/etc etc. I don’t know who the companies are or how to set them up.

Post # 8
Member
178 posts
Blushing bee
  • Wedding: May 2015

When we closed on our house they said the keys were in the kitchen cabinet and house was unlocked. We went over and the house was locked and it was after 5 so we couldn’t call a locksmith! So there we were trying to break in to our own house lol. We had to wait and get a lock smith the next day and sent the realator the bill!!!

Post # 9
Member
2791 posts
Sugar bee
  • Wedding: May 2015 - Walnut Hill Bed & Breakfast

BakerBee16:  oh geez! I guess I better find out how to do that… Did your realtor tell you? This is my first time moving out of my parent’s house (i even lived there for college) so most of this is all new to me! I was afraid to buy any big furniture before we closed though so I won’t even be moving in until i at least get a mattress (i’ve only had a twin all my life).

Post # 10
Member
2791 posts
Sugar bee
  • Wedding: May 2015 - Walnut Hill Bed & Breakfast

BakerBee16:  update when you get your check amount! I’m starting to worry I’ll be running to the bank trying to figure out how to get a cashiers check the morning of! 

Post # 12
Member
1007 posts
Bumble bee
  • Wedding: November 1999

amberback:  Do you have an HOA? My HOA had a list of utility companies available on the internet with the numbers to call. You could also ask your realtor to ask the current owners. 

As for the amount to bring to closing, we didn’t get our HUD until the day before. Our money had to be wired so I pushed them to get it that early. If you are handing over a check, it could be the morning of before you get it. 

Post # 13
Member
2791 posts
Sugar bee
  • Wedding: May 2015 - Walnut Hill Bed & Breakfast

OtterHalf:  Thanks, no HOA (as far as I know. I assume i’d know if there was one).  I will ask the realtor! I’m not moving in right away so no big deal if something is turned off for a few days – i dont think?  In an email from the closing company that the realtor forwarded me the lady mentioned them changing the sewer acct.

I guess I’ll probably be going to the bank of the day-of then! I just hope I moved more than enough. My fiance also has a little over $1,000 in cash in hand too from selling a few things on craigslist that’ll be a nice buffer and easy to deposit quick if we need it (i hope not). I’ve moved $5,000 more than what we were originally quoted in the estimates when we started this process. 

  • This reply was modified 2 years, 2 months ago by  amberback.
Post # 15
Member
1679 posts
Bumble bee
  • Wedding: October 2013

Congrats!!!

We hit several speed bumps when closing on our house last summer as well. Our closing date was pushed back THREE times. I was so pissed. And I work at the same company that my loan was being funded through….you better believe I went as high as I could to get our loan pushed through!!! I was afraid the sellers would get irritated and back out. Thankfully, everything went through and we closed. It is truly one of the most stressful experiences I have ever had and Ive already told my DH that we are NEVER moving!!! 🙂

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