I'm trying not to, but really? We're selling our house on Monday, moving in with my mother-in-law until we close (supposedly) on the house we're buying in two weeks.
And now our bank is telling us they don't want to lend us money for that particular house because they're worried that it's not structurally sound, based on the appraisal. The appraisal? What? The appraisal that specifically says, "There were no adverse physical deficiencies or adverse conditions observed at the time of inspection which would appear to affect the soundness of the property." But they were concerned about some things (the roof needs to be replaced -- but is not leaking--, there are two broken windows, they need to fix some flooring in the kitchen, the floors "slopp", etc.), and when they called the appraiser, they ended up talking with his boss who said that the appraiser should probably not have written that sentence. The boss who's never seen the house.
The house needs some work, I'll give them that. But structurally unsound because of "slopping" floors?? Whoa. They must not have experience with old houses. If that house is structurally unsound, this house is falling down. If those floors are sloping, then these floors are practically vertical, not horizontal. Honestly.
I am so p***ed off (and I don't curse!), I can hardly see straight. If we lose this house because the bank doesn't have a clue, I don't know what we'll do. Ironically, in this time of recession, our trouble with getting a mortgage doesn't have anything to do with our ability to get a loan, but with the house used as collateral for that loan.
I sat down with the girls this morning and prayed about it, but immediately resumed freaking out. Then I called Bob and left a message on his voice mail, crying. Poor guy. I know it doesn't help him to have a wife who's losing it.
I do not want to be homeless! With two little girls, a Great Dane, and two cats! At the holidays!
Pray for us, please.