Sunday, July 27, 2008

But...It's not yours!!

I guess I skipped over a couple of juicy details. Before they would grant us the approval to build, they took a look at the property records and realized that it was still in the name of Andrea's father. We had been working at getting the title and everything finalized, but still had a couple of details to work out.
When we originally went to turn in our plans, the city wouldn't allow us to because the property wasn't in our name. After Kevin asked what they would need to show that the property was in our name, they said "We'll just take your word for it." Huh?? So, if Kevin would have said that it was ours, then they would have let him turn in the permits?
Anyway, we drew up an agreement with Andrea's father that sold us the lot, and gave us permission to build at any point in time before closing. So, we turned in the paperwork. When the city wouldn't let us proceed, we got on the phone to see what was taking the parties involved so much time. In true domino fashion, things just kept falling down. Everyone kept pointing fingers at each other.
1. Our financing bank told us that they needed the report from the title company to proceed with our paperwork.
2. The title company said that they were waiting for the surveyor's report to be turned in to the county and the recording to be done before they could finish their part of the job. They also needed a letter from the credit union that held the loan for the lot.
3. The surveyor forgot to turn in the paperwork to the county.
4. The credit union holding the loan for Andrea's father hadn't sent correspondence to the title company asking for the information needed to release the loan. According to them, they were waiting for the title company to send them a request.
In a nutshell, those were the initial problems. Everybody waiting for each other, but noone knowing that they were being waited upon.
We called up the surveyors, asked them to please get their part in, which they complied and did.
We called up the credit union holding the loan, and when asked whether or not the correspondence had been completed, the manager replied "I'll get to it when I get to it!"
Well, that wasn't a pleasant exchange...fortunately, Kevin used to work for this organization, and still remembered the name of the Vice President in charge of that area. After a brief phone call with said Vice President (who was happy to help, even though the conversation was somewhat awkward) we were informed that the letter would go out that afternoon. (It helps to know people!)
Title company got things done within two days, and the bank people got their stuff done in less time than anticipated. There was a lot of sweating and hand-holding through the whole process, but within a week we finally emerged victorious from the city offices with permits in hand.

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