So the owner of the house I'm buying lives outside the country, she came to Portugal a week or so ago to make her father her attorney so he can attend the signing of the final deed in lieu of her. She sent me the documents a week later. I sent them to my bank and the bank says they can't accept the letter of attorney because there's one sentence missing. ONE SENTENCE. I kid you not.
Her father was supposed to go to the attorney today to check what happened, but he couldn't go, hopefully tomorrow he will be able to go to the attorney's office. We'll see what the attorney says. The bank says they can't accept the document she sent, and for the house owner being here in person for the final deed will be difficult, but she has to sign a new letter of attorney if the old one is invalid and the attorney can't sort it out, and she can't travel to Portugal, and the consulate where she lives works poorly, so I have no idea how this will be sorted.
In the meantime we're trying to run to have the final deed signed before my mortgage approval expires which will happen in January 30. I signed the deed and paid the down payment a month and a half ago, and I still don't have all the documentation the bank needs to get the contract of the house scheduled on a public notary. This documentation would have taken a week to gather if the house owner lived in Portugal.
If the deal falls through I'm stuck in a house I hate. There are no more houses in the price range in the place where I want to live, there haven't been any new houses in the market on my price range. Next year banks are supposed to start lending money for 30 years max, my loan was approved this year so it's still 40 years. A 30 years loan will put on a higher monthly payment which seriously compromises my ability to live comfortably and save money. Yes I still have another 9 years rental contract on my house but I live in a flat studio where I'm cramped, and if I ever decide to have children I can't fit them in a studio and I'm not going to wait until I'm 40 to start conceiving. At any rate, women's fertility starts declining at 33, so I only have 2 years ahead of me to decide if I want to try to have children or not and get the house thing sorted.
I spent 10 years saving for this, it's my life dream, and it's closer and closer to going down the drain. As I cried in frustration my eyeshadow stayed on. At least I spent money on good makeup instead of saving it all for this silly life goal I can't afford after all.