FIVE MONTHS AND NOTHING.

I have never, ever, ever dealt with a more incompetant group of people than I have in the past 5 months in dealing with buying a house. My agent, the listing agent, the mortgage broker, the va loan underwriter, the homeowner's lender, the inspector, the military...EVERYBODY. If I could have sold myself this house, I wouldve. I have never had more anger, distrust, and disappointment than I have now. Needless to say, I was supposed to close on 10/15, but for some reason didnt happen. Then again to close on 10/28. On 10/26 the listing agent sends and email that says that the seller/lender is relocating office and if this deal isnt closed by the 30th there will be major delays blah blah. ON the 26th i get another email from the broker stating the termite inspection expired on 10/15--really? why is it no one told me the termite inspection was only valid 30 days? and why did it take another 11 days for anyone else to realize it had expired? on the 26th, the broker is telling me the va needs original copies of the copies of bank statements and checkstubs i had provided to them on 9/28! really? Why did the va underwriter request copies of the check stubs from my husband's second job on 10/19 even though that income was not used to process the loan? The same check stubs that were provided to the broker the entire time? Why is it that on 10/19, the broker tells me the va underwriter needs written documentation as to why i was late on a credit card payment in 2000? On a card that has been closed since 2003? on 10/20 the broker tells me that the va underwriter wants written documentation as to how we would be able to withdraw from our retirement fund if we needed? then tells me that my written statement on this is not sufficient, but an official copy from merrill lynch will be needed? Who cares, we are not retiring, nor are we using this money to finance the house? Why is it that everyday it seems for the past month, i have been contacted by email that one more piece of documentation is needed? Who doesnt know their job? At what point was the mortgage broker supposed to say "hey va underwriter---stop it! give me a list of all the things this family needs and it will all be provided at once???" isnt that the purpose of using a mortgage broker? aren't they a luxury?  i mean really who the hell needs them? i wouldve been better off walking into a fricking bank and doing this myself. why is it that my husband was in the us military for 6 years serving his country, only to spend 2 weeks trying to find someone to answer the phone to get one piece of information proving that he was actually in the military and deserved to use his va loan benefits? why is it that the mortgage broker had us searching all across the globe for a damn DD214, only to find out this form is not valid for reservist in the military for va loan processing, but an actual point sheet is required? Why is it that i have been working with this broker since 9/14/2009 and i still have not closed on this house!!!!!!???? Start from the beginning. The lender told us on tuesday that if the deal didnt get closed by friday, 10/30 then it is unknown if and when it will be able to close as the bank is relocating to texas and unsure when their operations will proceed? Start from the beginning. I was supposed to close on 10/28. So why again on 10/29 after hosting a sit in at the broker's office, did they come out and tell me that there was a problem with the appraisal, done on 9/30, and they received the documentation they needed on 10/29 at 1230pm? I was supposed to close on 10/28.  Why did the va underwriter finally give the broker a  "clearance to close" on 10/29 at 230pm, and on 10/30 at 430pm, after no one answered any of my calls or emails, I get an "email--not a call" but an email from the mortgage broker stating "im sorry but there are 3 other closings ahead of yours and the closer won't have the numbers ready for another 2 hours and it won't close until monday-if the bank/lender/owner will allow it, i'm so sorry..." REALLY?

I SWEAR if i could have done this myself, i wouldve. its sad that my education is not in real estate. I have never, ever, ever been so frustrated in my entire life. ever!!! Every last person supposedly working for me, has let me damnit down! ALL OF THEM.

-did i mention that the home inspector told me they dont inspect roofs b/c their insurance wont allow it? WTF does that mean? What did I pay you to do then? whats a plumber that doesnt look at pipes? I have been given the shaft, sans vasoline. I have been genuinely screwed by every person in this deal. And im the one spending all the damn money. Why is it that i STILL do not know who mylender is? NO clue. And today at 734pm, when I was to close on my house 2 days ago, not one person has had the decency to pick up the damn phone to talk to me. All I get is a "sorry " email.

would I be wrong to give you the names of all the people and agencies involved? Should I make a contact to the Better Business Bureau? Call NBC2?

Now all I can do is hope, but for what? When I have such incompetant people in my corner.
I have loan approval. I have closing costs. I have no house, my lease expires on 11/30. Half my home is in boxes. And Im an emotional wreck. Can anyone help me????