Apparently our agent has been working HUD as hard as I've been working the lender. After repeated phone calls to the Charlotte HUD office, he finally got an answer to our closing day question. If our mortgage company can send the "packet" to HUD by noon on Monday, June 18, then we can schedule our closing appointment for 1 p.m. on Friday, June 22.
What is a packet? I'm assuming the full tree's worth of paper I've heard in legends and campfire tales. The agent said the mortgage person would know what it meant. I e-mail our mortgage rep. They expect to have the appraisal on Friday, June 15, and the title search by Monday, June 18. There is a 24 hour turnaround on those two, so the earliest the mortgage company would be done with the mysterious "packet" would be Tuesday.
It looks like we may miss our mark. I've put in another email today to see whether, by some miracle, the title and/or appraisal were done early.
Until then, I think it's safe to assume we won't be closing on our target date. Instead we will probably close that following Monday, completely eliminating the only weekend available between now and our apartment lease end.
Rather than having the flooring installed on Monday or Tuesday, we may have to push it back a day or two to give me time to get the walls done. I really want to get the walls done first for two reasons: to prevent any 'oops' on our new flooring, and so we can get a layer of odor-killing primer on the subfloor to prevent the previous dog tenant from an unwelcome return.
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