As my realtor drove me home from the settlement, he told me that he had spent the last several days on the phone with the mortgage people to make sure everything would be ready on time. The mortgage guy we had been working with had left town due to a family emergency and his staff was not picking up the slack. He told me they almost didn't make it, but he refrained from telling me about it so it wouldn't upset me. (He is a great realtor -- I wish I could afford to buy more houses because he deserves the business.)
When I refinanced, I found errors in the forms that the mortgage people filled out, and also identified a bug in their software that automatically computed some of the numbers. They had to have a special training session for all their brokers about it.
If you want to know when to get the best mortgage rate, wait for me to refinance because the rates will plummet a week after that.
BTW I highly recommend the movie "Mr. Blandings Builds His Dream House" with Cary Grant, Myrna Loy and Melvin Douglas for anyone who is buying or renovating a home.
- Gray 2010 carbon WSD road bike, Rivet Independence saddle
- Red hardtail 26" aluminum mountain bike, Bontrager Evoke WSD saddle
- Royal blue 2018 aluminum gravel bike, Rivet Pearl saddle
Gone but not forgotten:
- Silver 2003 aluminum road bike
- Two awesome worn out Juliana saddles