- Never surprise your mortgage company with surprising information.
- Oh, and don't be surprised if your mortgage company pretends that you have surprised them with surprising information that you have completely, fully, and honestly disclosed since, you know, the first day you ever called them up to inquire about a mortgage.
Corollaries to these lessons:
- Do not put an offer on a home in January because then everyone will want your taxes for the prior year signed, sealed, and delivered before it's actually humanly possible.
- Also, do not be foolish enough to own a small business (let alone TWO), and then put in an offer on a home in January, because then everyone will want your taxes for both businesses for the prior year signed, sealed, and delivered before it's actually humanly possible.
- Consider not owning small businesses in the future, as owning such will cause mortgage companies to act all surprised that you have the nerve to do this, even though you were certainly completely, fully, and honestly upfront about the owning of such entities from the very first day you ever called them up to inquire about a mortgage.
Also, perspective is a lovely thing. Struggling with mortgage companies and dealing with the possibility that your house deal might not go through is difficult and No Fun, but not life-threatening or anything. Life goes on.
Things have calmed down and it looks like we will survive this process and get the house we want. Yay! So now I am looking at a future in which we close in less than a month and move in about six weeks.
If you don't see me for a while, you may assume that I am