I finally filled out the papers for a mortgage, never did I imagine that it was that much information needed. My nerves are a bit higher than I thought they would be and it’s just because of all the hard work I’ve had to do these last few months and then a hiccup in the road yesterday.
When I reached out to the mortgage company that I had been working with, I felt a bit unimportant. I sent the information on the new place and on any changes that took place since before, she didn’t answer me. I sent another email asking if she received it but again no answer. So I called her, the first time I called it was voicemail so I left a detailed message with my phone number, but no return call. Then two hours later, I called her and she answered but said she needed to call me back in 15 minutes. I said okay and ended the call.
During all of this, my realtor was texting me to find out where we were in the process. How could I tell him that she’s not helping me? Finally he sent me a name of someone he works with and asked if I wanted to try him because he knew that I would get an answer. I didn’t answer him right away but that was what prompted me to call my first option back. After an hour and a half of waiting for her to call me back, I let my realtor know that I would reach out to his guy. He promptly started a three way text and I had a new application in my email last night.
This morning I get an email from the woman I was talking to first, she said she was sorry for not calling me back and that someone came in without an appointment. She wanted to chat. As I was working, I emailed her back and told her that I cannot talk personal business while working so I asked her to email me back with anything she needs. At this point, it’s been 6 1/2 hours and no email back from her. However, the new broker and I have had multiple emails back and forth and I submitted the application to him.
I’m disappointed in her work ethic. Maybe she just doesn’t take me seriously or just doesn’t care. But it leaves a bad taste in my mouth and makes me feel that she doesn’t think I’m important enough to even just send a quick email. I gave her a bunch of chances and time yesterday but she just pushed me to the side, so I don’t feel bad about moving on to someone else.
There is no answer yet and I can see he’s being careful because if my initial numbers aren’t there for this property then he’s not going to pull my credit yet. I can respect that and I truly appreciate it. I’m just super nervous about the whole thing, it’s a huge step. Yes, I own a home but I didn’t go through the normal purchase path in order to get it so I’ve never been through this before. This is the time when I miss someone being here for me, when I just need that little bit of support and encouragement.
Doing this all on my own when others depend on me, I’m terrified. But how can I move forward if I let fear take over? I can’t, fear cannot be the reason we stay here. I might have to work more if they say no and I understand that also but it wouldn’t be from fear and that I could accept.
We have to get out of here though if I’m going to keep my family safe. I’m just scared.