Hello CR world. Been a little bit since I updated and I've been quite busy during my time away from the blog world. Poker wise march pretty much sucked so lets not talk to much about that. I played pretty poorly then ran pretty poorly which made for not so hot of a month. Whatever, I've decided to drop the # of tables I'm playing and really focus a little bit better. The mass multitabling(lol 12 tables for me) is just not my thing, kind of takes the enjoyment out of it for me especially when running bad/playing bad. So I'm going to try to stick to 6 tables at a time in April and hopefully maintain a solid winrate for the month.

Enough poker, onto the good stuff. We closed on our house on March 25th which was pretty awesome. The week leading up to the closing was pretty terrible due to what seemed like some serious incompetencies with our bank. We were trying to close about 4 days early which would have been Monday the 21st until the bank called us on Friday at 4:30pm and was like, uh we need some more information on your husbands income. Nice timing asking for further clarification on my income 30 mins before the end of the day on the eve of our bumped up closing date.

Let me give you a little insight into our problem. My wife applied for the loan herself, to see if she could get approved for the full amount since I would rather not have to deal with trying to inform people at a bank how I make a reliable income. Unfortuantely my wife couldn't quite qualify for the whole loan herself, but she was very close. So they needed to add me to the loan. Well since my wife almost qualified for the whole loan herself and I make more than my wife you would think that this wouldn't be a big deal. We even got "pre-approved" which I am putting in quatation marks because it doesn't appear to be worth anything.

So we get the call Friday that they want some more info, I've already sent them every single bank statement I have as well as 2008 and 2009 tax returns. However these people cannot understand why FTP is not giving me a 1099, and I'm like lol push for regulation is this will probably be easier for the both of us. So now they are like, we want some more information on your 2010 results. So I send them a HEM screen shot for 2010 and a thorough explanation. Not enough... oh by the way we have at this point bricked the Monday close date and it is currently not looking good for our new Wednesday close date. So then I email FTP black card support(which is the nuts btw) and get them to send me my withdraw history from 2010 in excel form. I send that to the bank, that is not enough for them. So then I send them a screen shot of all of my incoming wires for 2010 which COINCIDENTALLY match my FTP withdraws. Still not enough.

At this point it is late Wednesday, we are already having to cancel appointments we had set up at the house for thing we wanted to get done before we moved in for the weekend. The new bank update is now things are not looking good period. I proceed to grill them on the "pre-approval" process and how I can't understand how if my wife can almost cover the loan on her own, and I have 3 years of tax returns proving that I make more money than she does how this is becoming such a huge problem. They keep saying "we can't verify your income" and I am like "it's on the tax returns, what do you think I just paid that much income tax over the last 3 years for shits and giggles?"

So now their new plan is to try and do the loan on my wife's income alone again. The regional manager of the bank signs off on some exception that allows it even tho they can't verify my income but because they know that I do make some money. LOL. OK. So now it is late Thursday and we are for reals close to the closing deadline. They are telling us all they need is one last underwriters signature then they can send the loan to the attorney for closing in the AM.... BUUUUUUUT the underwriter had a family emergency and had to take her grandson to the hospital. So we have to wait for this lady to get back in the office, review the changes and sign off on them. We are told it will happen first thing in the morning.

Friday rolls around, a few updates in the AM but nothing substantial as we wait around with our cars packed. Finally at 11:30... did this seriously take the underwriter 2.5-3 hours to review a few changes to the loan and sign her name?... we get the ok to head to closing at 2pm. YAY. Well the week wouldn't be complete without one more sweat, as we neared the end of signing all the papers the lawyer let us know they hadn't recieved the wire from the bank yet. It was 3:45 and bank wires close at 4:00 pm on friday. Luckily the wire came through with a few minutes to spare and we became homeowners.


We still need to get some stuff done to the house, like fence in the back yard and paint the master bedroom but overall the house needs very little work and already looks great. I won't delay the pictures any longer.

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