We don't like JP

So, remember how TODAY we were supposed to be in our new house? Yeah that didn't happen thanks to JP(the guy in charge of our loan who is incompetent). We are bitter about this.

Here is the story . . . Two fridays ago JP told Josh the loan had gone to underwriting and everything was done. Before that almost every night we were sending him: bank statements, W2's, pay stubs, work history. etc. And just when we thought he had everything he needed something else. It was quite ridiculous. Then monday he emails Josh and requests yet another pay stub for me. (We have seriously sent him about 100 documents at-least once, and then usually again because he lost them or forgot to tell us to sign them) Then on Monday we find out that my previous place of employment wasn't responding to any of his emails or faxes to verify my employment. Then Tuesday he said he couldn't figure out any if our deposited checks in our bank account. ALL of the checks said in out bank statement that they were pay checks. He couldn't match the words that spelled out our companies name and connect them that they were pay checks. Unbelievable! So all of that was taken care of Tuesday night. We were stressing about all of this because the next day wednesday were supposed to sign. So Wednesday comes around and we don't get to sign because the loan isn't finished and he blames this on underwriting, but it was HIS fault because he is in charge of everything. So we are told Thursday we will sign.

On Thursday morning Josh calls JP and he says the loan will be done around noon. Then we make arrangements with our realtor and the title company to meet at 4 to sign the papers. We all get there at 4 and JP hasn't been answering his phone or emails from anyone and the papers STILL aren't ready!!! We were all worried that we wouldn't sign that night, but after 40 minutes of waiting the title company gets him on the phone. She told him we were there and ready and had been waiting for 40 mins to sign. Then he lies and says he told our realtor we wouldn't sign till friday. And he lied again because the papers were said to be done at noon that day. Finally he gets is act together and finishes the paper so at 5:30 we signed. And because everything was signed and done we thought the papers would be recored on Friday and we would then be given the keys.

Since this is a downward spiral story, of course it didn't happen. It didn't record on Friday because we had to sign another addendum and it didn't get recorded on time. Thanks again JP! Friday night we found out we weren't moving on Saturday.

We were supposed to sign on Wednesday, get the keys Thursday and move in Saturday. That was the plan. Giving us enough time. We packed all of our stuff throughout last week and just left out the essentials to pack Saturday morning. All of our Kitchen things were packed. Including food because we planned on eating out friday and then moving and unpacking Saturday. I feel bad too because we had friends that were going to help us move and we inconvenienced them. But they were understanding. We transfered our gas, electric, power, trash, TV and internet. Our power is supposed to be turned of tomorrow so tomorrow morning may be interesting. I don't like it when my carefully planned out plans get messed with!

Moral of the story: make sure your loan officer is competent and his name isn't JP.

Hopefully tomorrow (Monday) we will get the keys and we will make the move on Saturday. This whole buying a house thing has been a mess. We were told this kind of mess rarely ever happens. I just wish we would have been told everything was going to be late and we wouldn't be upset.