After getting worried about how I was going to get a bank check cut without transferring money to my checking account yesterday, it apparently bothered me so badly that I ended up waking up at 2:40 am. I tried reading a bit, watching some TV, and no matter what, I couldn’t fall back to sleep. I had this terrible feeling that for some reason it just wouldn’t work out. Either I would have to transfer money and somehow that would jeopardize my mortgage, or I would only be able to transfer the money after applying for a mortgage and then the timing of getting the check cut would end up making the deposit late, nullifying the contract.
I was told by a few people that the bank should be able to issue a check by doing a withdrawal from my savings, so there would be no need for me to transfer any money. It sounded reasonable, but with the bank’s website having almost no information on getting a cashier’s check cut other than the fee for it, I was still uneasy. This morning I called the local branch and spoke with someone who told me it was absolutely no problem and that all I needed to do was bring the account number, who the check was to be made out to and my driver’s license. That five minute phone call instantly made me feel better.
With that out of the way, I still had to schedule my home inspection and my mortgage application. The preferred inspector that my Realtor told me about wasn’t picking up his phone and with a tight timeline for an inspection I had to schedule something soon, with someone, or I could miss my opportunity to get concessions from the seller if there was a problem. Luckily my Realtor was able to get in touch with him and my appointment for an inspection is tomorrow afternoon. My dad will be coming along since, whether he realizes it or not, I’ll be enlisting his help with whatever repairs the house will need.
That timing works out well as it will give me a full day to get in touch with the seller if there’s a problem before I’m scheduled to apply for my mortgage, which is scheduled for Thursday around lunch time. That’s important because if for some reason I wouldn’t want to go forward with the deal, if I’d paid the mortgage application fee, it’s non-refundable.
Everything seems to be falling into place, even though I continue to get overly worried about apparently the stuff that isn’t as important and am completely ok with the major decisions. I can’t thank my Realtor enough for putting up with my ridiculosity and for ensuring this process is as smooth as possible.