erudity.net prattlings on via nattering nabobs

USAA Bones Me

Up until now, I've been moving, albeit slowly, through the home-buying process... and here's what happened today:  I got a call around noon from Ekta, the loan officer, saying that

1) there was an additional form that had to be filled out and signed before the loan could be processed
2) I had not gotten flood insurance
3) THEY HAD NOT RECEIVED THE LOAN APPLICATION.

It's five days before closing, and you're JUST NOW telling me the loan application never made it there?  (I sent it in back in October.)  WHAT THE FUCK.

After WTFing for about 5 minutes straight on the phone to Ekta, who never proposed a solution or said she'd try and expedite matters, I proceeded to accomplish the following:

1) downloaded, printed, signed, scanned form and sent it back to Ekta
2) Confirmed that I *HAD* flood insurance, but that Ekta now wanted it pre-paid rather than waiting for closing... so I paid and
3) drove to the place I'm staying to get the copy of the loan application I had, signed and initialed everything all over again, got it scanned and sent back to Ekta.  Again.

This isn't the first time she's messed up, either - she told me on Monday that I didn't have homeowners' insurance when in fact I had gotten it back in late October, and my insurance agent had faxed proof of it to Ekta on the 28th.  I confirmed this by asking the title lady if she had gotten it that day, and indeed she had.

So now it's a waiting game to see if we'll close on time... or if the seller will let me move in early (we're both Navy, so maybe he will...) - otherwise I have to reschedule the power, water, internet, movers, and washer/dryer delivery.

USAA has been pretty good to me over the years, but they have seriously dropped the ball on this one... Kendra is forward deployed IN JAPAN and the I'm STILL in the process of PCSing!  You'd think they would assign a bit more importance to this or perhaps put some additional oversight into the process.  Regardless, five days before closing is NOT the time that you want to hear that additional paperwork is due or that other paperwork is missing.