Tuesday, May 7, 2019

What a pita

Who knew that trying to make your very last mortgage payment ever could be such a PITA (and I'm not talking about the bread)

The payment was due on May 1 but I have until the 15th to pay without getting a late charge. I went online to make the payment on Thursday May 2. I got a message saying that they were unable to process my request and to call the 800 number for assistance.

May3, after work I tried one more time to make the payment online. Still got the same message so I tried the 800 number. The person I talked to said that I needed to get a payoff statement and then send a certified check for the last payment. She also told me the payoff amount and the escrow balance amount. She informed me that my taxes had been paid but that I would have to pay the homeowners insurance but the current policy was paid until October. She said that I could go to a local branch to get the payoff statement or they could mail me one. I figured going to a branch was easier and quicker so I would do that.

May 6 was the first opportunity I had to go to a local PNC branch. I got there shortly after opening and went to the teller and informed her of what I needed. Between her, the person on the phone and another employee who was standing there, they informed me that they were not able to provide an accurate payoff and that I would need to call the 800 number.
Back home I get on the phone again and talk to another person. This one apparently had more knowledge. She told me that since I had a higher escrow balance than principal balance they could take the final payment from that and then send me the remainder. They will also mail me a copy of the payoff. The information also goes to the county who will then in turn release the deed.

Long story short, I no longer have a mortgage payment although I haven't gotten the official paper work. Would you like to do a happy dance with me?

18 comments:

Grace said...

CONGRATULATIONS!!! Yay!

Rose said...

Dancing a jig in my head! Congratulations!

Sandra said...

I actually have tears in my eyes. tears of sharing your JOY... so very happy for you. YOU MADE IT! seems like we were just discussing how long you had to wait to pay it off and now it is HERE!!!!!! congratulations on OWNING YOUR HOME... yay...… the story of the payoff is par for the course these days. it is all about the person that answers your call. that could be to a bank, a doctor office, or any other phone call.... yes I am happy dancing...

Lin said...

Whooohoooo!! Congratulations! well, that ought to help the cash flow a LOT, right?!

I'm laughing because I called for a payoff quote for our car note. Of course, the car is in Joe's name and they won't give me any info...so I just call and say that I am Joe. I know his ss#, birthday, mom's maiden name and all that good stuff...so what is the deal? Well, the dame kept trying to get me to say that I was not Joe, asking me all sorts of questions that, of course, I knew the answer to! Do strangers really call to get pay off quotes for people??? Is this really a big problem??

peggy said...

I am so happy for you!

Sandee said...

We can do the happy dance together, Ann. Hubby and I paid off our mortgage this month too. It's most lovely.

Have a fabulous day and week, my friend. Big hug to you and tons of scritches to Gibbs. ♥♥♥

Annsterw said...

YAY You!!! That is awesome!!! Congrats!

CheerfulMonk said...

Congratulations! What a relief.

Ann said...

Thank you.

Ann said...

LOL, if someone wants to call and request a payoff quote on my vehicle I hope they give it to them because I don't object to someone else paying off the loan for me. I can understand taking a loan out but paying it off, really?

Ann said...

Oh wow, it's a double happy dance. Congratulations to you and Zane too. It's a great feeling isn't it?

Ann said...

thanks

Ann said...

Thanks. Yes, it is a relief and such a wonderful feeling.

Ginny Hartzler said...

Happy dance for sure! In my case, it would be the happy gimp. What is such a joyful occasion was sure messed up by them!

Catherine:theMaker said...

that's amazing, and congratulations...

peppylady (Dora) said...

Congratulation.

Debby@Just Breathe said...

Congratulations! That's so awesome.
Sorry about the hassle you had to go through.

Duni said...

That is fantastic news, Ann! And great that you persevered through all the red tape!

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