"It's incredibly invasive, you won't believe it. They need all this paperwork from you, and they inspect every little thing. But you'll get through it. It's just really annoying and can be super stressful."
Huh.
We laughed, and laughed, and LAUGHED.
We got the list of paperwork to hand over to the bank guy and discussed it on the way to dinner this weekend.
It seemed...not at all that bad. 2 years of W2 and tax returns, 4 most recent pay stubs, current mortgage statement, current homeowner's insurance info, bank statements.
"Did they need our birth certificates?" I asked Bryce.
"No."
"Fingerprints?"
"No."
"Letters of reference from four people illustrating how we'd make good homeowners?"
"No."
"A signed statement from our doctor stating we'll live until the majority of the mortgage?"
"Mmm-mmmm."
"A visit to our house to see how we take care of this one with a multiple-hour interview?"
"Nope."
"Written autobiographies about our life prior to buying this house?"
"Uh-uh."
"A TB test?"
"Nah."
By this time we were laughing hysterically. I'm not sure if our realtor understands how incredibly low the mortgage attainment process rates in invasiveness when you've gone through the adoption homestudy process (plus a renewal).
Ah, the gift of perspective.
Want to read more #Microblog Mondays? Go here and enjoy!
We got the list of paperwork to hand over to the bank guy and discussed it on the way to dinner this weekend.
It seemed...not at all that bad. 2 years of W2 and tax returns, 4 most recent pay stubs, current mortgage statement, current homeowner's insurance info, bank statements.
"Did they need our birth certificates?" I asked Bryce.
"No."
"Fingerprints?"
"No."
"Letters of reference from four people illustrating how we'd make good homeowners?"
"No."
"A signed statement from our doctor stating we'll live until the majority of the mortgage?"
"Mmm-mmmm."
"A visit to our house to see how we take care of this one with a multiple-hour interview?"
"Nope."
"Written autobiographies about our life prior to buying this house?"
"Uh-uh."
"A TB test?"
"Nah."
By this time we were laughing hysterically. I'm not sure if our realtor understands how incredibly low the mortgage attainment process rates in invasiveness when you've gone through the adoption homestudy process (plus a renewal).
Ah, the gift of perspective.
Want to read more #Microblog Mondays? Go here and enjoy!
Hating Blogger at the moment because it's not letting me comment reliably. Argh!
ReplyDeleteAnyway, I had to laugh too. I remember when all the forms seemed like such a hassle and stressing about making sure everything was in order. Post infertility, it was a complete joke.
That said, I wonder what your realtor's response would be if you asked for fingerprints, personal references and a written autobiography prior to agreeing to hire them for their services. ;)
Oh no, commenting issues are the WORST. Oh my gosh, I totally want to subject someone else to that scrutiny in the worst way now... :) Brilliant idea!
DeleteLol yeah I can totally see how getting a mortgage would seem like NBD compared to everything else you guys have ever had to do. So glad you were able to have a laugh over it all!
ReplyDeleteI am so grateful to be ABLE to laugh at it now! :) So funny, the gift of perspective.
DeleteLol! The gift of perspective, indeed!
ReplyDeleteI guess I've become pretty tough, too. Thanks, IF!
Nice to know there are good things to come out of all that mess. :)
DeleteI love your sense of humour. Yes, I think perspective really helps us feel better about a lot of things! Mortgages would indeed score pretty low at the Invasive Olympics.
ReplyDeleteHa, that's something we should do -- an Invasive Olympics. TSA or Homestudy? New mortgage or donor egg psychological testing? :) You have to laugh, or else there's a lot of crying. :)
DeleteYour sense of humor is wonderful. And yeah, after IF stuff, all those things do seem a little less invasive/scary/etc than most people find them!
ReplyDeleteOur mortgage banker kept saying things about how most people get nervous about down payments, this is the most expensive thing they ever bought, etc. I was all like, uhhhh, most people have not paid for IVF cycles out of pocket. At least with the down payment, we were going to get a house in return, not "chance" of having a baby!
Oh yes, "most expensive thing..." it is lovely to think that we actually GET SOMETHING out of this transaction. I am nervous still about a shoe dropping, but hoping that this time everything comes through. :)
DeleteHa! I remember this. And the look of shock on the mortgage broker's face when he gave me a list of things he needed and I was like "ok, anything else?" and he was like "it's more than it looks like it is" and I was like "not really, I'll have everything to you by lunch." Or the real estate agent marveling about how chill we were when we lost a house in a biding war, and walked away from another after failed negotiations after the inspection, and dealt with stressful negotiations on the house we eventually bought.
ReplyDeleteThat's hysterical...it definitely was no big deal at all compiling the things. I was like, "do you need 28 years of addresses? Because I have that in a box in the closet." HA! It sucks to go through all the things with infertility, but then it does make other stressful processes seem not quite as bad.
Delete