Around 3 o'clock, Dean from NVR Mortgage called with another document request. The underwriter wanted to know what was the source of my earnest money. Yes. Proof of the earnest money on the 11th hour on the eve of closing. ARE YOU KIDDING ME? This dip&^%$ had over 4 whole months to ask me about this, but now his/her inefficiency is our emergency? First we had to prove that my checks were real and provide copies of the cancelled checks, Second, we had to prove that they were out of a real account, by giving you the statements documenting the activity of these checks, and now you want to see how it was deposited into my checking account? Is this for a loan or a security clearance? Sorry for interrupting your solitare game and making work for you Mr. Underwriter Guy. I'd make USAA underwrite this loan but to qualify for incentives, I'm using NVR.
NVR, you should reevaluate your underwriter anyway. Why would you even break ground on a house if the customer is even remotely questionable on any facet of the finances? Mr. Underwriter, if you're using me to prove how tough you are, pick another customer. You may not be too pleased with the results
Maybe this is a way they mess with the customers they don't like. Maybe the underwriter is related to someone at Westwood Insurance. You guys hold the money and the house. Keep this crap up and you can keep both. It's a great house, I'm sure you'll like it. I would be sad, but I'm sure USAA Mortgage and another local builder can help me get over it. Yes, I said it and you can't even fathom how serious I am about this.
In the morning, they will get the documents proving the source of the funds are mine and that is all. If they are going to pend my loan because of an over proved legitimacy of my earnest money, I'm going to walk with my earnest money and take the kids to Disney World and we're eating lobster and steak every day while we are there. I'm tired, real tired of this. If the underwriters are this bad, makes you wonder if they get any business at all. Stay tuned.