Posted by Kelli Owens on December 1, 2009 at 4:16pm
In addition to doing property preservation I am a traveling Real Estate Closer. I have 12+ years experience as an escrow officer, loan officer and was an Operations manager for a wholesale lender.I had a closing this evening that went downhill from the Very start.Docs are late, I get 2 of the 3 emails with the docs. Have to push closing back 30 minutes, then 45 minutes, then 1 hour.Finally get last set of docs, call borrower and let him know I have them and I am printing. I am about 12 pages from being complete when I get the dreaded message toner low. 5 Pages print then NOTHING! I pull out the backup printer and print the last 5 pages almost out of ink in that one need to restock it as well. Jump in my car and I am ready to go. Jump OUT of the car and run in to get phone, don't see it, get back in the car and head off. Thinking phone is in purse drive a little further, realizes,,,, no phone. Look down and very low on gas, have enough to get to closing and fill up on way home because already pushed closing back didn't want to spend the 5 minutes (by the way it is 48 degrees outside and raining) Get to clients house, ready to close. He informs me his wife lives at a different house and we need to go there for the closing, so we jump BACK in the car and head about 1/2 way back to my house. I flash the lights because I am on fumes, didn't want to run completely out of gas, and I have no phone to call him. Pull over into the gas station. And realize this one has no awning covering the pumps; first pump I tried was broken, jumped back in car pulled up to next pump. Jumped out swiped card, open trunk, realized I opened the trunk not the gas door. Ran through the puddle of water to close trunk, get gas started, (5.00 due to raining and freezing, and now I am wet, my hair kinks up (curly/straight combo makes for frizzy kinky when wet). Get back in car realized left driver door open, seat is wet. Therefore back of pants are now wet. Get to wife’s house, she has a great Dane, sweet dog, I have about 2' on him (when he is on all 4 legs) he acts like he is about to jump up and give me a hug, which you can imagine my facial expression at that point. Anyway, dog leans on me the majority of time we are standing. We get to the table; I sit down dogs head comes above the table and decides he is going to check out the inside of my purse with this nose. I am hoping I don't have any chocolate in there for him to take; at this point I need either chocolate or a glass of wine. We start going over the docs, he finds out what his monthly payment is ...... it went up instead of down. Closing cancelled and now a glass of wine!Moral of the story, always keep tank full, back up toner, and make sure everyone has spoken with the loan officer about final payment. Have a great night!!
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