Growing up I remember my dad often referencing “Biziorek luck” when things didn’t go right. I get everyone has bad luck, but we did seem to have more than our fair share. Nothing super terrible generally happened, it’s more that kind of luck where things that should go smoothly never seem to. It’s funny in a sitcom but not in real life.
Kaitlin has similar luck. If we’re out to dinner, for example, you can bet on one of two things (if not both) happening. Her order will come late and last, or it will be botched. She says it’s happened her entire life, and I can vouch for at least the last nine years.
So when we try and do something together you can bet we have a rough time of it. Enter our recent HELOC. We started our HELOC application process on April 12th, and we still haven’t closed. We were supposed to today, but the bank screwed up yet again. Somehow they managed to grossly miscalculate our line of credit.
This is probably the sixth issue we’ve dealt with during the application process. The biggest one was a previous HELOC that was opened on our house by the previous owners. It was paid in full when we closed but the bank failed to discharge it. How that happens and how it gets by so many people I have no clue. I’m just thankful we weren’t actually trying to sell our home (what a mess that’d have been!) and that we have a good relationship with the previous owners. We were able to expedite the discharge by getting the previous owners to help us out. Normally it takes 60-90 (wt-actual-f!?).
I hate banks.
Hopefully we’re closing this HELOC on Monday, because we have accepted offers for investment properties closing in as soon as 9 days 🙂