I tell you what, this "closing" process is a frightening. Everyone warned me that I would sign a lot of papers, but actually I think I over anticipated it and didn't feel like I ended up signing much. It's the type of things I signed that really made me laugh. Ready for this?
So, here is a list of just about everything I signed:
- I signed a paper stating that I'm over 18 years old and I don't have any mental disabilities (what in the world?)
- I signed a paper saying I received another set of papers (what do the other set of papers say? I have no idea, and apparently no one cared that I read them...just that I received them!)
- I signed a paper saying I there are on other versions of my name out there (actually, in some parts of India, "Poorna" is also spelled "Purna" or in a longer way "Poornima" which is my grandmother's name - so, I wonder if these "other versions" count?)
- I signed a waiver letting someone (the government?) have access to all my tax and income records (still not quite sure why they need this)
- I signed a paper which tells me that at the end of the term of my loan, I would've basically paid almost twice as much as the price for which I bought the condo...because of the interest payments (this was uncalled for....I really wasn't interested in seeing how much money goes down the drain in interest - made me cringe!)
Those are just a few things that I distinctly remember and laugh about! But, in all reality though, a home closing is very serious. When my parents and I walked in, the woman at the counter asked for my name and ID. Then she asked if my parents were going to "come to the back" with me for the actual closing. My response, "um, yes, I need them" (why else would they come?!). Then she gave us assigned seats at the "closing table." The sellers were already there. It was mildly awkward at first. Was I supposed to talk to them? Are they mad at me for negotiating the sale price? Are they sad or ecstatic to be handing over the keys? What memories did they make in the condo? What little secrets or tips do the know about the place and its neighbors? I had so much going through my brain, I didn't know what to do. Everything in me wanted to burst out into conversation with them because (a) they seemed like nice people, (b) I wanted to learn about their history with the place and (c) I can't stand awkward silence. Silence, yes, it's good...but not awkward silence!
Finally "the Closer"came in. This is the person who actually goes through all the documents and translates the legal jargon into the kindergarten sentences my brain can comprehend! Can you imagine having a full-time job as "the closer"? On one hand, it's kind of fun watching people embark on new beginnings, on the other hand: paper cuts....or carpel tunnel from signing over and over and over and over. Because what I was not aware of is that "the closer" also signs every piece of paper the buyer and seller signs. Now, can you imagine doing that for a living? I can't either.
After we wrapped things up successfully, the next stop was to my new digs. I loved it more now than I did before I closed on it! I even discovered some new and exciting things about it this time, which I didn't know existing during the open house! Things like built in sliding drawers in the kitchen cabinets - nothing too exciting for the normal person, but exciting for me!
Before I close this entry, I wanted to say "Happy Easter" to everyone. I love Easter. The colors, the Easter egg baskets, and most importantly, the symbolism and the meaning of the celebration. This Easter season, I'm overwhelmed with a sense of hope. In fact, just typing that gave me chills. I cannot wait to go to church on Sunday with my family. Even though there are a million things going on for school and work etc...I can't think of a better place I'd rather be on Sunday morning than at Southeast and at my parents house, with my entire family celebrating The Resurrection and Hope.
Happy Easter! He is risen!
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