Now on the Big Island I lost $100K on my Ranch and thank the Lord I sold it before the Hurricane and now the Lava Flow...and my Hilo House the buyers are gutless they want brand new and an inexpensive price and a good neighborhood or they do not make an offer...they come to you house and squat for an hour and do not make an offer...they make a verbal offer and renig...I leave it in God's Hand...Amen
How Loans are done in the Liberal Low Info Libtard State of Hawaii
No one wants to take responsibility for the late closing of my mortgage...the Hawaiian Buyer's Realtor is taking a vacation when he is supposed to get someone to do the survey for the Flood Insurance. An Insurance that came into Play from Obama another way to Bleed Out the Public and tax the Live Out of Any Buyers...The Lazy,Laid Back Attitude of the Hawaiian Culture coupled with the nasty aggressive nature> he told my realtor that he was going to do it the HARD WAY AND HUNG UP ON HER...She should have known this is the Locomo way to doing things they attack if they make a mistake and you confront them....So the Lender is Blaming the Realtor who could loose his license for not disclosing the Flood Zone...Here is the email enjoy my book is to expose the truth to all the Hawaii is a 3rd World Country and Hellhole and Obama is welcome to say he is from there as I would totally like to distance myself. As you can see there are many variables and no real Close Date....
Aloha Shelley,
I spoke with Julie this morning about providing an updated timeline for closing. I’ve received responses back from both Deitra at First American and Tommy at State Farm to help come up with the timeline.
At this time, the lender is waiting on just the insurance binders to move towards closing.
IF the Clark’s and State Farm receive the elevation certificate by this Friday, the 7th, State Farm should be able to provide insurance binders by Monday the 10th. We will submit them to the lender for review. During their review process, they will contact the insurance agent to confirm coverages and such. The lender requires 4 business days AFTER the last condition is signed off to get to closing. So, if the lender reviews and signs off the insurance by Tuesday the 11th the earliest signing date would be Monday, August 17th.
First American will help in coordinating the out-of-state signing for Mr. Clark who is in Kansas. Once signing is completed on the 17th, signed documents would be overnighted back to the Hilo office of First American Title. We would expect them back by Wednesday the 19th, if not sooner. Mrs. Clark, who is in Hilo, will then go in to sign her portion. Depending on the time of day Mrs. Clark is available to sign, the lender will fund the loan either on Thursday the 20th or Friday the 21st for recording on Monday the 24th or Tuesday the 25th.
I realize that your seller does not want to do an extension and I understand. But an extension will be needed to complete this last step of the process. Mr. and Mrs. Clark were unaware that the property was in the flood zone when they put in the offer for the home. They are doing what they can to get the necessary insurance required for this loan. Elevation certificates typically take a few weeks but they have found a vendor who is supposed to get it done sooner than that.
If for some reason the elevation certificate is unavailable by this Friday, it will adjust the timeline. We will address this again at that time. A 15 day extension would bring recording date to 8/26. We hope that although this isn’t the optimum result for the seller that she will agree to the extension in the contract.
Thank you and we look forward to closing this with you as soon as possible!
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