Whew, I got through the closing yesterday, barely. The stack of papers was daunting, but I stretched my hand out, grabbed a pen, and was ready to go. I'm pretty sure I signed my name in record time, and I listened to the explanation of each paper I was signing, occassionally. We were wrapping things up, all was going well, and then I was asked how I was going to pay. And so began the adventure. We were told to make sure to have a check, I had one. Little did we know that a personal check would not suffice due to the amount we had to pay for closing. Oh dang. At some point, I'm sure the thought crossed my mind that we would need something other than a personal check, but we did not know final costs until yesterday. I'm pretty sure banks are not in the habit of writing out blank cashier's checks or anything of the like anyway. Granted, I don't know for sure, but it makes sense.
Panic began rising. Oh dang.
I was given the suggestion to call our bank, back in Tennessee, to see if they could wire the money. The person I needed to speak to was in a meeting in which he "could not be disturbed," so I got to sit and wait for his return call. Unfortunately, he did call. To say he was a jerk is an understatement. To say I wanted to reach through the phone and grab him by the throat doesn't quite explain my feelings toward him. I shared the situation, here's a brief run down of the conversation from there:
Me - I just signed closing papers on a house, in Texas, and need the closing costs wired.
Jerk - We can only wire money if you are here in person.
Me - So there are no other options? I can't fax you a form with my signature?
Jerk - You can go to a branch there and have it wired.
Me (trying not to get too worked up because clearly he thinks I'm a total idiot)- There aren't any here. If there were, I would be there, not on the phone with you.
Jerk - Sorry, we can't wire money unless you are here in person.
Me - Basically, you are going to be of no help to me then.
Jerk - Well, if I were you, this is what I would do...
From there, he launched into a nice story of how I should call the lender and blah blah blah. Since he has no clue the laws in Texas differ a bit from in Tennessee, his idea was junk. And his tone? Oh.my.goodness. This is where I went right off the edge of niceness. The fact he spoke with such an arrogant, condescending tone towards me made his inability to help that much worse. Granted, this is a situation we should have been more prepared for, but moving across the country the week of Thanksgiving kept us a tad bit busy. He was in the middle of a sentence and I hung up on him because very unkind words (those I would have had to repent for) would have flown forth from my mouth. In that moment, I also vowed we will bank at a local bank here, no more big branches that have forgotten about customer service.
I immediately called Andy, who had begun his trek west. I asked him where he was, and he only responded with, "Driving on 40." Nice dear, I need to know where on 40. I finally figured out where he was, which was thankfully still in TN and not yet to Memphis, and told him he needed to find a Regions Bank in Jackson ASAP to get this wire finished. My knight in shining armor came through, again. He found a bank and began explaining to the man who does the money wires (did you know each bank has one person in charge of this?), and I told him just to hand the phone over. I gave the information to the man (who was also very nice), and the money arrived in "record time". Wipe the sweat from the brow, we are done friends! Oh, I forgot to mention Andy arrived at the bank at 3:30pm, and domestic wires end at 4:00pm. Divine intervention? Maybe a bit.
But alas, the adventure came to a close, we are no longer homeless, and Andy is on his way here (hurry honey, hurry!). My mom and I will be going over to the house this weekend to do some cleaning and preparations for when our belongings arrive on Tuesday. Speaking of which, who's helping us move in????
Happy Thanksgiving friends. Thank you for the prayers and words of encouragement as we have gone through this move. They have meant more than you know.