The idiocy continues...
I was going to start this week’s update with “The insanity
continues”, but insanity does not necessarily indicate a lack of intelligence
and using that cliché would have been unfair to the insane! We received
an email this week from Acopia, LLC with an attachment titled: “Consumer
Explanation Letter.” The letter began: “Dear Applicant, A copy of your credit report has been
provided to Acopia, LLC 1001 in association with your recent application.”
One of the “Explanations” that I have to provide is regarding some credit
inquiries that have shown up on my credit report. It appears that Acopia,
LLC, the mortgage company processing our loan, has noticed that Acopia, LLC has
checked our credit in the last 120 days (Please see bold, italic, underlined
acknowledgement of that fact above). Therefore Acopia, LLC would like me
to provide a written explanation to Acopia, LLC on why Acopia, LLC might have
checked my credit and I’m to further identify any “New Credit Opened” with
Acopia, LLC. How do you respond to that? That mess I’m having with
the Credit Union doesn’t really seem as crazy as it did last week.
Acopia, LLC staff are either so insecure that absolutely everything has to
documented over and over; or, Acopia, LLC staff are so incompetent that they
can’t open a file and compare two or more documents and come to the conclusion
that they already have the answer to the question. I’m going with the
latter! If that is not evidence enough I also have a request to:
“Furnish bank statement showing where funds were withdrawn from earnest money
and due diligence checks- provide a transaction history printout from July 16
through the date the checks cleared- make sure the printout has the account
number and the URL/website address printed.” Acopia, LLC has all of my
checking account statements, and they have the cancelled checks which have been
cashed from the account number on the checks, which matches the account number
on the bank statements. I think they must have overheard me using one of
Uncle John’s one-liners, “The money is good, I just printed it up in my
basement yesterday!” Next I’ll be providing documentation verifying that
I don’t have a basement (yet) and that I don’t own a printing press with supporting
bank statements that show I’ve never withdrawn an amount necessary to buy a
printing press or made a payment to a printing press, paper and/or ink
companies!
On the positive side, the email also included: “Hi Mr. &
Mrs. Brooks, Your loan has been Conditionally Approved by Underwriting.
Congratulations!” We may get the better of this bureaucratic beast
yet. My mortgage guy assures me that this will all work itself out, if I
can just get that credit union statement!
I was pleasantly surprised by the response from my letter to the
Credit Union’s Member Services staff. During my drive back from Virginia
I received a call from a gentleman who, appreciating the urgency of my request
for the account ending statement, called to make sure he was sending exactly
what we needed. I haven’t made it out to our post office box in the last
few days. Who knows, I may have that account ending statement waiting for
me.
As I indicated in last week’s email, we made a side trip to Virginia Ohio Virginia
We had our home inspection Tuesday. The home inspector we
hired was a very pleasant and knowledgeable ex-contractor who came highly
recommended. Now you are wondering why me of all people with my
background experience would hire a home inspector. I must confess that
I’ve been guilty more than once of putting on my rose colored glasses when it
comes to major purchases. Once you decide you want something it becomes
very easy to start overlooking the minor things. You know, like the house
is sliding down the hill (which actually happened earlier in our home search)
or the driveway is too steep to get up in the summer time much less when there
is ice on the road, which is a common problem when you choose to live on the
side of a mountain. And when you are presenting the 27 item punch list to
the seller it’s much easier to point at the report and say, “it’s him, not
me!” And my realtor is still working double time to earn his fee. A
couple of items on the list, while they might be code violations, weren’t a
major concern to me especially with my rose colored glasses snug to my
face. But Kevin calmly pointed out that if I ever went to sell the home,
if I didn’t get this seller to fix the items, it could very well be me making
the alterations necessary to get this house into compliance. Most of the
items on the list I could easily do myself, but why would I if I can get the
seller to do them? I’m always saying, “If you don’t ask, you know the
answer is no!” So we’ve sent our 27 item punch list on to the
seller. He’s an insulation contractor who has many contractor
friends/contacts. I’m thinking a few phone calls and a case of beer aught
to do it.
Liam has been on a group chat with the other WCU incoming freshmen
on the distance team. The other incoming freshmen don’t have Liam’s
resume but they’ve all been chatting about how much they are training over the
summer. I guess Liam doesn’t want to show up the first week and be the
lame duck so he appears to be taking his training a little more
seriously. He’s running twice a day now most days. We still can’t
get him off his computer in between his runs. In all fairness, we did
drag him away from the only home and friends Liam new. Even though Liam
is chatting with his teammates they are not really close enough for him to get
together to train or hang out. We have figured out that Liam has to
report on August 11th, which is only about 11 days away.
“Summer colds are the worst!” At least my realtor, the
grocery clerk, and anyone I’ve mentioned my cold to agree. Or maybe that
is just the polite thing to say when you notice someone has a cold in the
summer. I know I don’t ever remembering having a cold in the winter that I
thought was any more pleasant. Of course I did just spend the last 35
years in the semi-arid desert of Southern
California
We hope everyone is doing well!
Until next time,
Rick, Maureen & Liam
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