This was a busy week with late nights of work, afternoon appointments, and not enough sleep. However, the great news is that DH and I signed a foot-high stack of papers and WE HAVE A MORTGAGE!
The house is not quite finished, and, realistically, will probably not be until next spring. Our contractor, Nick, has had to move on to other jobs and for the past couple of weeks has come back for a few hours every other day or two to build the front mudroom porch while his girlfriend Amy paints the lower half of the outside of the house. I am hoping that before he quits for the winter, Nick can get at least one coat of the exterior paint on the entire house, finish our shower, finish the stairs, and finish the kitchen cabinets. The final coat, the last interior painting and trim, the fireplace, the mudroom floor, the chimney, the back porch, etc. can happen later. Currently I’m very happy at last to have closets.
Meanwhile, to be done with jumping through hoops for the bank is an enormous relief. I found it hard not to be annoyed by an unexpected $400 charge from the lawyers for drafting a single page reassuring the bank that I would be responsible for maintaining the dirt driveway. (“He had to do a lot of research!”) I had the nagging sense that some of my tougher friends would have objected to this last-minute surprise. However, I was so exhausted by the long, impossibly fraught process that I simply initialed it and moved on.
The lawyer informed us that the mortgage payments would be deducted automatically from our bank account starting next month and ending… in 2047.
DH would be 95 and I a sprightly 88. I’ll cross my fingers.