I know it is not the customer's problem that I'm busy.
Really, I know that.
But I'm busy.
And even if I weren't busy, home loans are NOT a quick turn around.
We have seven business days of wait required just for the disclosures. Follow that with a mandatory 3 business day rescission period (that's a right to cancel), and you got 2 weeks before you get your money even if I already has the appraisal, title search, etc completed the day you applied.
Throw in all the services, appraisal waits, and the fact that I am fricken BUSY and our average turn around time from application to close is 35 days.
So, when someone who applied on June 26th is getting their closing appointment set on Monday July 17th, that's called a damn fine job if I do say so myself.
You do NOT get to call later on the day I set the appointment (Friday... the Friday before the Monday appointment. Damn it lady, I was RUSHING for you) and whine at my co-worker because "WHY can't I sign TODAAAAAY?"
Why? Because I came in today, on my day off, in order to get your closing paperwork (along with FIVE others before you) prepared for Monday. In addition to a whole lot of work on some of the other approximately HUNDRED applications that I am processing right now. Because this is a loan on your house, and it's NOT simple.
And it's the middle of summer,and you are NOT my only customer. Especially since New Guy couldn't handle the workload and quit on us... which you might understand, since YOU are one of the customers I took over (not that we are saying "he quit during lunch break the other day" but rather "he had to take an unexpected leave of absence").
And you are just lucky that it was a HELOC, because a fixed home equity loan requires that I provide you a copy of your closing disclosure at minimum three business days before your closing appointment, so Monday would be right out.
Grrrrrr....
....
Okay. I feel better.
Really, I know that.
But I'm busy.
And even if I weren't busy, home loans are NOT a quick turn around.
We have seven business days of wait required just for the disclosures. Follow that with a mandatory 3 business day rescission period (that's a right to cancel), and you got 2 weeks before you get your money even if I already has the appraisal, title search, etc completed the day you applied.
Throw in all the services, appraisal waits, and the fact that I am fricken BUSY and our average turn around time from application to close is 35 days.
So, when someone who applied on June 26th is getting their closing appointment set on Monday July 17th, that's called a damn fine job if I do say so myself.
You do NOT get to call later on the day I set the appointment (Friday... the Friday before the Monday appointment. Damn it lady, I was RUSHING for you) and whine at my co-worker because "WHY can't I sign TODAAAAAY?"
Why? Because I came in today, on my day off, in order to get your closing paperwork (along with FIVE others before you) prepared for Monday. In addition to a whole lot of work on some of the other approximately HUNDRED applications that I am processing right now. Because this is a loan on your house, and it's NOT simple.
And it's the middle of summer,and you are NOT my only customer. Especially since New Guy couldn't handle the workload and quit on us... which you might understand, since YOU are one of the customers I took over (not that we are saying "he quit during lunch break the other day" but rather "he had to take an unexpected leave of absence").
And you are just lucky that it was a HELOC, because a fixed home equity loan requires that I provide you a copy of your closing disclosure at minimum three business days before your closing appointment, so Monday would be right out.
Grrrrrr....
....
Okay. I feel better.
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