Just keep waiting...

When it rains it pours.

Its been two weeks since our sub-division was approved.  TWO WEEKS.

On July 13th the subdivision was recorded at the Courthouse.
I was unaware of this and instead had to wait until Monday to call into the Planning Commission and beg for information.  Thankfully, the gentleman was very helpful and walked me through the Courthouse website to find our approved map.  I was able to save a copy and email it straight to the Title Department at the bank we're going through.

I thought we'd be smooth sailing at this point as I was under the impression that we were finished with all paperwork except for the Title to be clear.  I was wrong.  Its becoming a bad habit.

On Friday, July 20th I spoke with someone in the Title Department to see if there were any new updates.  Surely, it wouldn't take too long to clear a title that never existed before right? Well apparently there was some upheaval because the appraisal the bank had done by a third party had a different parcel number on it then the approved version myself and the landowner's lawyers had provided.   At this point, it was considered to be a typo.  Or at least conveyed to me as a typo.

On Sunday, July 22nd I received a document review from the bank asking to review the appraisal that had been done.  There were a few small things listed wrong that were an easy fix.  But as I scrolled down I noticed that the pictures of our property were not our property at all.  The map the appraiser provided indicating our property was on the opposite side of town.  He appraised the wrong location.  I immediately called my contact with the bank Monday morning and raised my concerns.  A request for a new appraisal was submitted the 23rd and we haven't heard anything back as of yet from them.

We have no definite closing date.  I'm starting to feel like this whole thing was a bad idea.  We anticipate taking one step and it turns into three more steps to get in the right direction.

I'm frustrated with the individuals at the bank that encouraged us to get the process started.  Because of that we had a loan in progress that was pointless and will end up spending an additional $1200 to "lock in our rate" (a shitty one at that) due to the delays of getting the subdivision approved.  That took months.  And for a finance department who supposedly deals with these types of loans for the past decade, bragged about it in fact, to not give us a clear ideas of what was to be expected? Its insulting as far as I'm concerned.

Today, July 25th, we finally got our draw schedule to approve.  I got that signed and sent back in.  I was told today that the hope is to close by 7/31.  Bless me, that better be the case.