Today I caught our lender in a lie.

Last Thursday or Friday I asked directly about the loan “when the balance goes above 20% of the loan, the PMI comes off? Right?”

She answered in the affirmative.

The exact type of loan we were looking at, an FHA loan, that is not correct.

Not only would we be paying more than $8K to get the loan, but an extra $400 a month.

Lie.

Thankfully, we caught this thing and nipped it in the bud.

The loan officer claimed she would make a few calls.

Nope. Had double-check the folks she was going to call to verify she didn’t.

What about that email that you were going to send about everything you need?

Nope. Forgot that too.

The underwriter doesn’t know what a conforming loan in King County is. If you’re playing the home game it’s not the same as the rest of the country.

Nope.

Closing on the 26th… or was it the 28th? “Well I have an email from you saying the 26th.”

Gaaahhh!

I think they’re getting to the point that they know they’re looking like idiots.

[update]
To top it off they mixed up me and En’s middle initials on all the paperwork.

Careless.

I’ll be happy when this whole cluster is over and I can sleep in my house.