perfidy

As attentive readers will be aware, I am about to buy a house. I suppose it was to be expected that nothing would go smoothly, and more to the point it would not go smoothly at the last moment. I was informed earlier this morning that the down payment was not, as estimated, less than the amount in my bank account. Instead, as a personal consideration to me, it was more. Contemplating this turn of events, I felt the familiar stab of anxiety, that little gremlin grabbing my heart and twisting that I have come to associate with the entire home buying experience. To this feeling was added a small frisson of urgency to give it a little extra punch, since I am closing tomorrow morning.

If this was happening next week, it wouldn't be an issue as I get another paycheck Tuesday. Of course, if it was next week, I'd have to cancel all my moving plans and probably end up with no one to help me move instead of a dozen people helping me move. Happily, dear old mom was there to chip in at the last moment, and wired enough money to cover our sudden short fall. Now, I will spend the balance of the afternoon emulating a crack addicted lab monkey, clicking the refresh button and hoping for a little of what I need.

What particularly galls me is, why the hell didn't the loan people detect this mysterious nearly a grand difference in estimated payments until less than 24 hours before closing?