Key(s) in Hand

“OK,” said our settlement (closing) officer, “now we’re going to start the signing for the actual mortgage, so you need to sign it exactly as it is on your mortgage application.”

I stared at her. “So I need to sign my full name?”

“Yes, and [Good Man] needs to sign his first and last name, with no middle name or initials.”

Good Man said, “But in Korean, my name is all together, so my signature is all together.”

“Oh no, don’t sign it in Korean.”

It didn’t seem worth it to argue about what a signature is.

We both practiced our names on an envelope. I always sign my name Amanda CLastname, so every time I hit the C, I struggled to form the rest of my middle name. Good Man had a much easier time.



Our settlement was a little odd.

During the walk through, none of the stuff that should have been in the house (full set of keys, receipts for work done from the inspection, etc) was there and one (minor) thing that should have been fixed was obviously not.

Our agent was worried that they hadn’t done the major fix we needed (grounding the outlets) since the receipts were missing. And of course, the listing agent didn’t answer her phone. (The listing agent has been entirely…unimpressive.)

Realtor had forgotten his outlet tester at home. He ran to Home Depot for a tester, and we tested the outlets. One remained ungrounded, but the rest were done. We decided we’d call the electrician who did the work and see if he could come back.

A gutter was nicked during the recent storms, and a handyman is coming Saturday to fix it, so we added the other minor repair to his list of things to do, and headed off to settle.

At settlement, we were the only ones there. The seller settled at a different office at a different time, and the receipts and keys would be couriered to us. So it felt a bit unreal to leave with only one key when there are four locks at the house. (Actually, five if you count the mailbox. Six if you count the door in the basement.)

Later, while we were out for a very late lunch/early dinner, the keys, deed, copies of the amortization schedule, our plat map, and 53 other things were couriered to us.

And now we really own a house! Or, rather, we owe a small part of the house and our mortgage company owns the rest.