It looked like we were going to have to pull the plug on this earlier this week. The seller--Pacific Valley Bank--was running out of patience. There was a potential back-up buyer down at the planning department asking questions, wanting to know if he could turn the house into offices downstairs and living space upstairs. The underwriters for Prospect Mortgage found out the insurance amount we needed at close had been miscalculated and they weren't sure we had enough in the account.
Then Perfect Friend Terry put a wish in her Tibetan Wish Box, muttered some sort of half-Irish, half-Japanese incantation over it and told me to calm the hell down. (I made up that last part. She really handed me a valium, patted my hand and said, "there there.") And yesterday, after one more freak out with the insurance company, came the phone call from Prospect we'd been waiting for. You're CTC--clear to close.
Documents have been ordered, we sign on Tuesday and close on Friday.
We're in San Francisco for the night, the annual birthday trip to one of my favorite cities. Usually the boy children get left behind, but they got righteously indignant at the idea this year, for whatever reason, that I didn't want to celebrate my birthday with them. So after a lecture from their father ("We're doing everything that mommy wants and nothing that you want, so no complaining, no fighting and just deal with it,") off we went. Lunch at Delfina Pizzeria (good, but expensive), a walk to 826 Valencia and the famed Pirate Supply Store (San Francisco's only independent pirate supply store, of course) and dessert to go from Tartine's.
The skies opened up between the Pirate Store and Tartine's. Hopefully tomorrow will be clear, because I'd like to hit the farmer's market at the Ferry Building before we leave. I dragged everyone to see "Legion" at the Metreon-I'm a sucker for religious Apocalypse flicks. Everyone kvetched about how bad it was, but how can you go wrong with Paul Bettany in body armor?
So. Next Friday. We close and then the fun begins. It's an FHA 203K rehab loan, which means the clock is ticking on the contractor--he has six months to get everything on the list done, and he can't take any draws from the loan until he's hit certain benchmarks. We picked the kitchen, pantry and laundry room tile -- very simple, relatively inexpensive, easy to install and, as Grady says, it goes with everything.
I'll start posting more pictures as we progress. But for now, we're happy the light at the end of the tunnel isn't attached to a freight train anymore.