- 6 years ago
- Wedding: June 2013
Yesterday I posted about how the sellers of our house found a crack in the foundation as they were moving their things out…just when we thought we had resolved that issue, we faced yet ANOTHER problem.
First off, our loan is with Bank of America. I have heard many bad things about BOA, but Fiance has always banked with them and really loves them. He has never had a problem with them before until now.
Our loan was approved on the condition that we provide a few more things to our loan processor; minor things, basically just tying up loose ends. The only problem is, our loan processor takes FOREVER. She also never specifies what she wants when she asks us to provide something. She has requested things, Fiance gave them to her, and then she told him it wasn’t what she wanted, so she made him do it again and again, instead of just specifying what she wanted in the first place. We are first time homebuyers, but we are not stupid. We just need specifics so we can do things right the first time. She also takes forever to respond, sometimes waiting a week to call back when Fiance contacts her. She even says in her own voicemail that she will respond in one business day…
For example, (and today was really the straw that broke the camel’s back) Fiance was gifted a certain amount of money from his dad (he had enough money in the bank, but since part of it was a gift, they had to be PC about it and have it officially gifted…) by way of a cashiers check. That is all the loan processor asked for, like usual, very vague about what she expected.
When Fiance called the loan processor to see how things were going (we are supposed to close on the house in 3 days!), she asked who the cashiers check was made out to. When Fiance said his dad made it out to him, she said it should have been made out to the title company. WTH?? Why didn’t she tell us in the first place, instead of just telling Fiance he needed to be gifted money? We haven’t gone through this process before and she knows this, so why hasn’t she been specific about what is needed?!?!
Upon hearing about this situation, Fiance told the loan processor that he was starting to get really frustrated with her not being specific, and she started to yell at him. I could hear her, and she wasn’t even on speaker phone. Her voice was snarky and filled with attitude—not something I would expect from someone who works in customer service. Fiance ended the conversation very quickly after she started yelling, but we are both in shock.
She later sent Fiance an e-mail saying that we would probably have to get an extension on the loan since he took too long to get something back to her (she asked for it THIS Monday, and he sent it to her this morning). Not our fault she waited until the last week to get everything done!
Fiance has decided he is going to talk to the loan processor’s manager tomorrow, as it was already too late to call today. I just hope everything gets worked out so we can close this Friday like we are supposed to.
We just want our house, and things keep going wrong!! Ughhhhh sorry for the long rant.