Poor Timing

Over this past year I have dealt with a number of banks and one has stood out above the others. Truist bank has gone above and beyond several times to help us, but in most of those instances I was dealing with them as David Huzzard Administrator of the Estate or David Huzzard sole-manager of Campbell Drive Properties.

Dealing with them as David Huzzard the human being known as David Huzzard has been a little different. We started an application for a loan back in September. I had put the wheels in motion for it much earlier so it feels like it has been much longer in the works, but even at September that is a long time to be in limbo.

I will say the bankers and the finance manager at the bank have been excellent, but I question the humanity of the underwriting department. Our loan got stuck in conditional approval for a month. It has been painful as they told us we were approved and showed us what it would mean and then wouldn’t let us cross the finish line all because of forces beyond my control.

Several times this year I have been told these forces don’t exist. That I just have to be more positive. Believe in myself or some other mumbo jumbo. That I control my own destiny. I don’t think that is true when underwriting controls your destiny. Having underwriters in charge of your destiny is just about as bad as having Pinhead from the Hellraiser movies in charge of it. It is terrifying.

We’ve been told we get to cross the finish line today. I am unsure of this as their timing is the worst it could possibly be. My wife is out of town for her grandmother’s funeral. She passed at 98. She was 87 when we started this loan application.

I would just like this done. Getting this loan and converting all my bad debt into good debt is going to feel like having a boil lanced. It is going to be such a beautiful sudden relief, and I can’t wait for it all to be over. I have my doubts that underwriting will let us go. They’re like terrible kidnappers. The kind so bad you never develop Stockholm Syndrome.

Everyone that works above ground at the bank is fantastic, and I have no issue dealing with them. I would just like this part to be over. To have this loan and this relief, and begin the rest of my life.