Originally published at Casa de Lovely. Please leave any comments there.
Paperwork continues apace, I guess. Apparently Wells Fargo (our lender) misplaced the appraisal and didn’t think they’d ever received it. So they haven’t been working on it at all until today when Ruby, our mortgage broker, sent them a new copy and they simultaneously discovered the old copy.
Even though we haven’t heard back from the underwriters there yet (obviously), Ruby said in her email that she was sure that the “hazards” would have to be repaired.
Yes, I know they’ll have to be repaired. It would be really nice if we could get a straight answer from somebody about:
- who has to do the repairs — can we do them ourselves or do we have to hire an independent contractor?
- what exactly do they expect us to do? Because I’m damned if I’m going to both pull the rotting plywood cover off the basement stairs and build a mini-porch for the door cut into the wall directly above them.
- do the repairs need to be “like new” or will a patch sufficient that nobody falls and breaks their neck be enough?
- how do we prove that the repairs are done? Do we need to schedule another appraisal, or will photos of the work be sufficient?
I’m really tired of hearing over and over, “oh, there will probably have to be repairs done” without anybody ever actually, y’know, conveying any information.