Deleted
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Post by Deleted on Jan 7, 2020 12:18:27 GMT -5
Glad you're getting your dental work taken care of in the meantime. Plus preparing for lawyer intervention--that should get some attention from your buyers. I hope this week sees closing for you, Shasta. Thanks, the dental was insanely expensive, so not doing anything at the moment other than saltwater and Sensodyne. If I end up opting for an extraction it won't really matter if I do it now or up in Oregon. I'm not paying over 3K for a root canal and crown. That seems insanely expensive and without knowing if my house will close completely not affordable. I think since I have the qualified "major life event" of moving out of state and having had Medicaid that included dental (though no one takes it), I may not have a long waiting period for care after buying dental insurance. I'm going to try and go that route and then have regular appts in Oregon until I get all the work done I need. I get really irritated by the free coffee and vibrating dental chairs you find in the "nice" clinics for people with good insurance. In CA you basically have a beautiful office with high-pressure sales people (today's experience) or crappy dentists where you wait for hours and hope they don't damage anything that wasn't already damaged by the time you leave. Still looking for the middle of the road option... I'm still hopeful my house will close but not terribly optimistic at the moment.
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gs11rmb
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Post by gs11rmb on Jan 7, 2020 12:38:38 GMT -5
@shastasnewlife are you anywhere close to a dental school?
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Deleted
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Post by Deleted on Jan 7, 2020 12:41:57 GMT -5
Had a reply all keyed in, fat-fingered it, lost it. I didn't say anything profound, but thanks for the update. And good luck with both the dental and the closing. I'll continue thinking positive thoughts and waving the magic wand.
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Deleted
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Post by Deleted on Jan 7, 2020 13:22:35 GMT -5
@shastasnewlife are you anywhere close to a dental school? I'm seriously dental phobic since the last dentist I saw injected Novocain into the main nerve in the roof of my mouth then drilled me when my tooth wasn't numb. Not willing to go to a dental school or one of the completely shitty medicaid clinics. One horrid experience was enough for me and I'm not volunteering for another. If the tooth gets too sore, I'll pay to have it pulled. If I can wait it out, I'll have it dealt with after I move and have it crowned, perhaps with some dental insurance but I will pay for it OOP if I have to. I can't pay the 3K out-of-pocket right now in case my house doesn't close. It wouldn't give me enough money to pay a lawyer for a letter to my buyers, buy a cheap car, and get moved back into my house. I have about 10K of the money from my house budgeted for future dental care.
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GRG a/k/a goldenrulegirl
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Post by GRG a/k/a goldenrulegirl on Jan 7, 2020 13:45:41 GMT -5
Read the fine print on commercial dental insurance. It often isn’t as useful as one might think.
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oped
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Post by oped on Jan 7, 2020 13:52:17 GMT -5
Read the fine print on commercial dental insurance. It often isn’t as useful as one might think. It’s not. And when I purchased they made it seem like my dentist was part of network and it wasn’t and I had to go to a chain that cost 3 times as much so I paid more anyway... worthless 6 month experiment.
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dannylion
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Post by dannylion on Jan 7, 2020 14:20:22 GMT -5
You might have better luck making dental insurance work for you by selecting the dentist you want to be treated by and then asking the person on his or her office staff who deals with billing and insurance issues which insurance coverage they accept and what they have had the best outcomes with. That's how I selected the dental insurance I have now and it has worked out well. YMMV.
I hope your sore tooth remains bearable until you can have it dealt with. Serious tooth pain is the last thing you need with all the other aggravation you've had recently.
ETA: Of course, the insurance issue will depend on timing. I was fortunate that when I needed some fairly extensive dental work, it was not immediately urgent and it was also close in time to the open enrollment period, so it could wait until I had signed up for the insurance. It still can't hurt, though, to ask the dental office staff what they recommend regarding insurance. They will have dealt with many different types and at least should be able to steer you away from the really bad ones.
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Works4me
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Post by Works4me on Jan 7, 2020 14:43:15 GMT -5
Same thing I was told by my dental office - the private policies do not provide much real coverage. It can be better to pay cash and get a cash discount.
I look at it this way - the insurance company offers dental insurance to make a profit. That will not happen if they are underwriting my dental work. I too am looking at about $10K worth of dental work this year. I'm just trying really to be grateful that I can pay for it so I don't end up putting my teeth in a glass every night.
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Deleted
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Post by Deleted on Jan 7, 2020 18:02:29 GMT -5
The one useful aspect of dental insurance is that they negotiate prices. That has helped me even when I have used up my paltry $1000 worth of benefits (in addition to routine cleanings, etc.)
I wouldn't write it off, but I'd make sure the dentist you want to see accepts it and that it's actually affordable.
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TheOtherMe
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Post by TheOtherMe on Jan 7, 2020 18:19:56 GMT -5
When I lived in Colorado, my dental insurance had to be used at chains. I did not like the chains.
Since moving here, I've been able to find private dentists who accept the insurance. It has a $2000 cap per year, but the last crown used most of that up.
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Deleted
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Post by Deleted on Jan 7, 2020 19:26:52 GMT -5
I think since I have the qualified "major life event" of moving out of state and having had Medicaid that included dental (though no one takes it), I may not have a long waiting period for care after buying dental insurance. I'm going to try and go that route and then have regular appts in Oregon until I get all the work done I need. If you're thinking of getting dental through Medicaid, then what I'm about to post could be completely wrong so please ignore it! Most private (non-Medicaid) insurance plans have some sort of waiting period- 6 months to 12 months- before they pay for major work. So you get coverage for cleanings only during the waiting period. I found this out when I retired; DH and I had had good coverage through my employer and were getting regular care but there was still a waiting period. I found that so annoying I decided not to buy coverage. That, and the measly max on what they'd pay in a year, made it pretty worthless to me.
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Deleted
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Post by Deleted on Jan 8, 2020 15:41:54 GMT -5
I discovered today my agent is out of the country and that's why she went unresponsive a couple weeks ago.
How a real estate agent can bail and not leave anyone in charge of their deals completely escapes my logic.
It appears my buyer's agent may also be out of the country.
Coincidence? Probably not.
The title company received some corrected documents today but they also contained errors and were sent back.
I meet with the atty tomorrow to see if I can walk. And, when I called to find out who has my keys since the agent is gone, no one knows where they are.
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Chocolate Lover
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Post by Chocolate Lover on Jan 8, 2020 15:42:50 GMT -5
Oh, FFS!!! I had my fingers crossed when I saw you had posted that it was good news.
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Deleted
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Post by Deleted on Jan 8, 2020 15:47:05 GMT -5
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haapai
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Post by haapai on Jan 8, 2020 15:51:02 GMT -5
I discovered today my agent is out of the country and that's why she went unresponsive a couple weeks ago. How a real estate agent can bail and not leave anyone in charge of their deals completely escapes my logic. It appears my buyer's agent may also be out of the country. Coincidence? Probably not. The title company received some corrected documents today but they also contained errors and were sent back.I meet with the atty tomorrow to see if I can walk. And, when I called to find out who has my keys since the agent is gone, no one knows where they are. First the obligatory FFS! I had hoped for different news. Second, can you explain a bit more about the part that I have bolded? Specifically, can you tell me which agent is responsible for the documents containing errors.
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Deleted
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Post by Deleted on Jan 8, 2020 16:34:34 GMT -5
I discovered today my agent is out of the country and that's why she went unresponsive a couple weeks ago. How a real estate agent can bail and not leave anyone in charge of their deals completely escapes my logic. It appears my buyer's agent may also be out of the country. Coincidence? Probably not. The title company received some corrected documents today but they also contained errors and were sent back.I meet with the atty tomorrow to see if I can walk. And, when I called to find out who has my keys since the agent is gone, no one knows where they are. First the obligatory FFS! I had hoped for different news. Second, can you explain a bit more about the part that I have bolded? Specifically, can you tell me which agent is responsible for the documents containing errors.
I've said about 20 FFSs today... The hard money lender submitted loan paperwork to the title company for a house not a manufactured home. The title company won't close until the documents are corrected. I just got another message that the lender already funded the escrow account and is supposed to be sending over corrected documents for the buyer to sign. I asked if the buyer's agent being out of the country will further hose this up. Meanwhile, this came out in the press today. Looks like last year they busted 154 grow sites. There are 1800+ of them just in my subdivision, and 5 rural areas like mine in the county. They make it sound like they got a lot of weed... not. www.actionnewsnow.com/content/news/SCSO-Up-to-600M-illegal-marijuana-seized-Local-State-of-Emergency-approved-566799461.html?fbclid=IwAR3ApMMvufdC0RLDFAedQB7QVeX3ZXwuNMN0jRREKDyHL9k475w9sW6ee18
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TheOtherMe
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Post by TheOtherMe on Jan 8, 2020 17:34:57 GMT -5
Do you have any optimism at all that this will close?
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snapdragon
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Post by snapdragon on Jan 8, 2020 19:03:55 GMT -5
Sending you hugs Shasta. What a cluster.
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Deleted
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Post by Deleted on Jan 8, 2020 19:12:04 GMT -5
Do you have any optimism at all that this will close? I didn't, but now I think I do. All the money including the hard money loan is now in escrow and according to the escrow officer the lender is fixing their papers and she called the buyers and they are available and eager to sign the new papers as soon as they are available. Then the buyers agent sends me a message that her buyers signed all their papers last week and the money is in escrow and the only holdup is the recording of the deed. /smh Now that the loan has funded and the buyers deposited both their cash and the third party's cash and it's all been cleared for disbursement to me pending the new signature, I do think it will close. The title company is as irritated as me, so she's working hard to get it finished.
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TheOtherMe
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Post by TheOtherMe on Jan 8, 2020 19:54:11 GMT -5
I hope this closes very soon.
Will you still be seeing an attorney?
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Deleted
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Post by Deleted on Jan 8, 2020 20:20:58 GMT -5
I hope this closes very soon. Will you still be seeing an attorney? Since the title company thinks they can close soon, I put off my appt until next week.
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Works4me
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Post by Works4me on Jan 8, 2020 21:50:25 GMT -5
Good move - may this all be a memory soon!
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haapai
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Post by haapai on Jan 8, 2020 22:32:03 GMT -5
No, this is not good news. Anything that distracts Shasta from contemplating the unpleasant and tricky options that she faces if this deal does not go through is not good for Shasta.
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Deleted
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Post by Deleted on Jan 9, 2020 11:26:46 GMT -5
No, this is not good news. Anything that distracts Shasta from contemplating the unpleasant and tricky options that she faces if this deal does not go through is not good for Shasta.
I think they meant good news the escrow is now fully funded and it seems to me that the title company now believes it will close sooner rather than later or not at all. This entire deal and my house's location within the cartels'-controlled lands is all a complete shit disaster top to bottom. I'm completely pissed my agent took off and I wish I could withhold part of her payment for abandoning my deal in the middle and not even having the courtesy to inform me she would be gone or offer an alternative agent to contact. Ultimately, while it's been a slog to this point and a ton of frustration and stress, it does seem to be getting close to closing and that's a great thing. Plus, once all that cash is in escrow, no one can claw it back and the courts could force the sale to close in accordance with the contract. It's a completely different scenario if all the cash isn't there to fight over. I actually do have (cautious) optimism this time we are going to get this done.
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alabamagal
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Post by alabamagal on Jan 9, 2020 12:12:12 GMT -5
I am optimistic too.
Not much you can do about your agent. You can leave bad online reviews. That is usually a big deal to them. I know the ones I have dealt with are always asking for reviews (and got good ones from me!)
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Deleted
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Post by Deleted on Jan 9, 2020 13:24:32 GMT -5
I am optimistic too. Not much you can do about your agent. You can leave bad online reviews. That is usually a big deal to them. I know the ones I have dealt with are always asking for reviews (and got good ones from me!) Everyone locally I am friends with keeps wanting me to report her to the board of realtors and leave crappy reviews. I'm of two minds, one is to do so and the other is to just leave all this shit behind and move on with my life. The title company just notified me she's trying to close later this afternoon! There's hope!
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haapai
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Post by haapai on Jan 9, 2020 13:26:45 GMT -5
You might be attaching too much meaning to the hard lender funding the escrow account. It seems to me that if they can point to serious errors in the representation of the property that they received from the buyer's agent they will have an out if this goes to court.
Maybe you should go see that lawyer. I know that it costs money, but consider your burn rate. Staying with your mom is nominally cheap, but it is burning up her patience and you can't work or plan much while staying with her.
Do you know the name of the lender? No, I am not even remotely considering recommending contacting them. I'm just saying that it would be worth knowing if your neighbors with similarly stalled contracts to sell are also dealing with the same lender and if similar errors in the paperwork sent to the title company or title companies are factors in their contracts not going through.
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raeoflyte
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Post by raeoflyte on Jan 9, 2020 13:30:52 GMT -5
Lenders aren't relying on info from the agents. They have to verify it all independently.
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chiver78
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Post by chiver78 on Jan 9, 2020 13:52:49 GMT -5
what a train wreck, shasta! fingers crossed that this happens for you today.
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Works4me
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Post by Works4me on Jan 9, 2020 15:02:38 GMT -5
I also have my fingers crossed that this circle jerk of a cluster frack ends this afternoon without you needing to return there. Frankly, all I care about is what is best for you. If you can, take the money and get on with your life. You can always leave negative reviews at a date.
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