This post is more of a "Hoo Boys" write up, not so much about progress, unfortunately, though there is a bit of that.
We finally got the packet from our mortgage guy today. I was already tired from a busy day, and after seeing a few things I knew I'd have to go back over to make sure I understand them right and fix a few minor errors, then I realized that their idea of estimated closing costs only includes a few lines items, and little else I could easily find as to the explaining where their numbers are coming from. Spouse told me after his last conversation with him that we'd have a full line by line to look at
![Thinking :think:](./images/smilies/icon_think.gif)
. So I have no idea if I missed something major, I'm reading it wrong, or once again I'm finding a math error on someone else's paperwork. (I guess all those years working as an editor is paying off?
![Lol, No :lolno:](./images/smilies/icon_lolno.gif)
)
I knew I was brain drained and dead tired, so I set it aside, and told spouse when he got home from work to give me another day before I'd be ready to talk it over with him. As tired as I could see he was, he seemed glad for the day's delay.
We're unusually tired because our older neighbors downstairs (whom we really like) have started falling asleep to both the TV (her) and the radio (him) for over a week now. Without getting into details for brevity's sake, we finally broke down three nights ago at 3:30am and dragged our futon into the office, where we couldn't hear the noise and blissfully fell asleep. Since then, we've been sleeping very well, though not quite caught up.
So knowing we're both sleep deprived, I'm trying not to have a panic attack. We have a reserve, but that is for costs like no attic insulation or if his car breaks down out of the blue. I feel weird with the idea that I'm now thinking we might have to touch that at all, even if just a little. It makes me feel like my preparation was poor.
I think part of why this bothers me so much is I remember when one of my cousins bought his home. He really had no idea what buying a home entails. If his sister hadn't been there when he closed, he would not have been able to close, as he did not understand closing costs and he simply did not have the money for them. She literally wrote a few checks right then and there so that he could get the home. Knowing that, I tried very hard to make sure I had a solid idea of what we'd be expected to pay for, as well as having a bit of cushion in my figures. We are doing this on a tight budget, and I'm probably right in thinking I read something wrong, and we'll be just fine. I mean how many times has our mortgage guy mentioned how nice it is to work with someone who is borrowing well within their means? I know the extra inspection on the home we did walk away from didn't help matters, but still...
I do feel bad because spouse brought up the repacking of boxes tonight. I snapped at him, describing the long list of all the things I need to take care of tomorrow now that we have the paperwork finally and I really need to sit down and read it thoroughly so we didn't miss something major in closing costs, and gosh golly I sure would like to have time to repack some boxes, but I don't even know how I'm going to get done what absolutely needs to be done plus making sure I cook dinner as he's been too tired to do such when he finally gets home of late, so we've been eating out way too much (mostly fast food, but it dings a thrifty budget noticeably). I did apologize after, but I don't like snapping at him, since I know he's stressed as well so I don't want to add to it.
I know part of why he's working so much is so we don't have financial hiccups with the home. I also know he's trying to take advantage of how the PO is much more liberal with overtime now that Xmas season for them is in full swing and there are so many POs up here (including his own) that are short handed. I also know that it means sometimes he has to triple or more his usually short commute in order to get those hours at POs very far from us.
This is the "get it done" time, although not yet the home stretch. If everything goes as planned, we have just shy of a month to get our commitment from the bank on time, and we're at the exact six week mark until closing now that it's after midnight. Of course, we're doing all this right around the Thanksgiving/Christmas/New Year's time when I already know we won't be able to do certain things on certain days because banks will be closed, forget who else might be.
I am beyond grateful right now that we walked away from Pleasant. I am so relieved that despite the lack of appliances, we managed to find such a wonderful move in ready home that hit so many "yes" boxes. I am realizing what a blessing it is that we got the home at the price point and interest rate we did, which means we will be able to have even more funds to work with/save once we move. I am thankful that my spouse is doing his level best, even if that means he has no time for the chores he usually does around the house which means they fall to me.
We just need to get through this, and then be happy with what we have.
![Flower Smiley :happy-smileyflower:](./images/smilies/happy/smileyflower.gif)