Holy Smokes!

We got a call back from NACA this evening. Our new counselor said that she would call us back this evening and she DID! Miracles can occur! Maybe this new counselor will get us to the closing table! Thanks Monica!

What In The World?

I want to cry....I just want to cry. I called this morning to talk to Glenda, our mortgage counselor. When she got on the phone, she told me that our file had been moved to a new counselor because they recieved my complaint Friday that I filed with NACA headquarters. So, I spoke to our new counselor. Talk abour IRATE! I found out that Glenda NEVER sent our file to the underwriting team. Instead, she sent it to counselor review and told us it had gone to underwriting. What a crock of crap! All this time with them and back to square one. Our new counselor is inputing all of the information that I faxed over last week when requested and will be sending it to underwriting today. Hopefully she holds up to what she says. Can you believe this?

Where Does It All Go?

So I called NACA and they said that in order for our file to move forwards, we would have to pay a new credit report fee and update all of our documents. I am so so sick of this. We update our documents and somehow or another nobody ever receives them. Where does it all go? I undersand they need updated documents, but why in the world do they not ever do anything with them? Also, I paid a new credit report fee on April 14th, when we wrote the contract. Nobody has done anything with our account since the last time I spoke with her.....absolutely ridiculous. Then again, what did I expect? Who am I trying to kid? ALL documents have been updated via fax. Yeah, we had to go out and purchase a fax machine. Just what we wanted to spend our money on. We need to get our bank app does ASAP. Come on NACA.......

Still......nothing

I guess we are still not making progress. Here we are, almost 2 weeks past the mandatory home purchase workshop, one week and one day past writing a contract on the home and 4 days past inspection. I just received a letter from the HAND department saying we are not qualified. This is because we still have no letter from the home buying workshop. Unbelievable. What are we going to have to do to close this house?

We FINALLY signed the contract

We signed a contract on a home that we will likely live in forever! It is 4 bedrooms, 2.5 bath, 2433 square feet, 2-story great room, in a wonderful neighborhood close to my mom, stone exterior, iron pickets etc.... It's beautiful inside and out. I can't wait to move in! Here is the house that we signed on:

Moving Along

I never heard from anyone at NACA yesterday. Who was I trying to fool when I thought I would? Ha. I was on the phone with them first thing this morning at 8:29, knowing they opened at 8:30. The office secretary told me that my counselor was in a meeting. However, when I expressed my disbelief in the lack of communication, I was put through to her line. She was very polite, answered all of my questions and told me that we CAN write our contract today! Yippie!! We are going to write the contract on the house at 4:30 today and I could not be more excited!!! I have called for the inspector, too. We have to use a NACA qualified inspector. I called the NACA hand department and was given a list of 2 names that they had on file. Great choices I tell ya. One in Clayton and one in Wilmington, neither within our immediate vicinity. Oh well, better than having to wait for an inspector to get qualified I guess. We are using Greg Watkins of Advance Looks. If anyone needs a NACA qualified inspector in the area, his contact information is (919) 523-9241. He was very helpful and reasonably priced considering he is traveling over an hour to get to us.

Here We Are....

Here we are on Monday April 13th and we still have no approval letter. Thursday, April 9th, we were told that we would receive our approval letter via email. Hmmm, I still do not have it. I called 6 times today! SIX times! Here is the timeline of callings:

8:48 a.m. ----> I called and the receptionist told me that our counselor was on a conference call and that I would need to call back after 11:00.

11:10 a.m. ----> I called and was told that our counselor was in a meeting and was automatically given her voicemail. I will NOT be leaving a message because obviously, I never receive a return phone call.

11:15 ----> I called and told them that I am not leaving a message because I never receive return calls. They informed me that she was in with another member and that I would have to call back in one hour.

12:12 p.m. ----> The receptionist informs me that I will not be able to speak with our counselor today because she is too busy. I ask to speak with another counselor ( I only need a paper emailed to me and a few simple questions answered....not rocket science or anything), only to be told that none of them can talk to me. She tells me to call back in one hour and speak with the office manager.

1:15 p.m. ----> At this point, I am very frustrated because my entire day has revolved around NACA and by 1 pm I was no further ahead than at 8 am. I called to speak to the office manager, as directed earlier. The office manager tells me that she does not have time to speak with me, takes my name and phone number and says she will call me back in a few hours. Hesitantly, agree and hang up. It's very sad how NACA members are treated.

AT THIS TIME, I CALLED NACA HEADQUARTERS. I WANTED TO TELL SOMEONE WITH HIGHER POWERS HOW WE ARE BEING NEGLECTED. HOWEVER, THE WAIT TIME WAS 57 MINUTES. RIDICULOUS. SIMPLY RIDICULOUS.

4:51 p.m. ----> I still had not heard back from the office manager, so I decided to call again. I made it clear this morning (or atleast I thought I did) that I needed to speak with my counselor today. Afterall, we do have a contract to write and if we lose this house because of their neglect, I am going to be very, very upset. I was informed again that my counselor was in a meeting and agreed to wait on the line. At one point, someone came on the line and told me I would have to leave a voicemail. NO! I absolutely refused. Why would I waste my breath with voicemail? I have never recieved a return voicemail from them and don't think it will begin now. I continued to wait. Then, the receptionist came on the line and told me that our mortgage counselor said she was very sorry, but that she would give us a call before the end of the day.

8:45 p.m. ----> NO PHONE CALL.

One thing is for sure.....tomorrow will be a long day! I don't understand this at all. We're so close to buying a house, but yet so far away.

It's Good Friday....

We are in our 6th month with the NACA program....are we ever going to close? Not without first writing a contract on a house! We were told to start shopping for a home, but we have no approval letter. Friday went by and we never received an approval letter. I left an email with the office staff at NACA after calling three times and being told to call back each time. I also wrote an email to Glenda and to the receptionist in the office. Did I get the courtesy of a return email or phone call No, of course not. I don't understand why there is such a lack of communication. It's to the point of being ridiculous. So, still, we sit with no approval letter. We have 2 homes in mind and will go see one of them today.

Thursday Night Meeting

I called and called and called NACA on Wednesday about the Home Buyer's Workshop that takes place on Thursdays. We were allowed to go!! Finally.....making progress. We went to the meeting and whew, it was alot of information. I had emailed our most recent bank statements and pay stubs to our counselor Thursday before the meeting, only to be told that they were not received. Why were they not received---they had been sent and had not come back. They are still in my sent file. I have a feeling she just did not look for them. Nevertheless, we did not get our approval letter that night. I was told it would be emailed to me Friday afternoon. Hmmmmmm...........are we starting the waiting game over again?

News....

We found out that NACA will NOT be using my income. Although we had almost anticipated this response, it is still very frustrating to know that for 6 months we have been strung along by NACA in hopes that they might accept my income because "they look at each person's situation differently." Well, guess what? Our situation was no different than every other self employed individual and they NEED 2 years of tax returns. With all that being said, they will only be using Donald's income. We were approved for a mortgage, just at a lower monthly mortgage allowance than we had been hoping and praying for. Better than nothing, yes. Dissapointing, yes. Relief to be finished with that part of the NACA program, yes.

I called today and tried to ask about the purchase workshop that all members must attend on a Thursday night. It was so frustrating because I could not get my question out without being placed on hold every 10 seconds. I am appreciative for the NACA program, but it'ssooo frustrating when you need to call them. And, wait...I just realized that I said we have been doing this for 6 months! 6 months and still not in a home......oh dear.