update: conditional approval

[sistawendy]

Less than ten minutes after I posted my previous entry, I found out what the conditions for my mortgage approval were. They wanted bank statements that actually showed me putting down the earnest money, and my latest W-2*. No biggie. But oh yeah, they wanted to know why Ex's address was on my credit report.

I did cosign on Ex's first mortage on her current abode. I recalled that she got my name off it when she refinanced. But I couldn't verify that because what turned out to be a ninety minute meeting started when I posted my last entry, too. Commence ninety minutes of stressing out.

Afterward, I got Ex on the actual voice phone, Xer style. She confirmed what I belived: she's refinanced twice since she got the house, in grand Ex style, and my name was not on either of the refis. I should be golden.

I of course relayed this to my lender. Cross a couple of appendages for me.



*For those outside the US, that's the end-of-year payroll statement for tax purposes. If you work a regular job in the US, you get a W-2 sent to you by Feb. 1st by law.

Comments

[maellenkleth]

Ah, so the W-2 in the Federal Republic of South Cascadia is the equivalent of the T-4 in the People's Democratic Republic of North Cascadia.

One year I got six T-4s, from which six well-meaning clients each deducted the full yearly Pogy contribution.

Pogy, by the bye, is Newfinese for 'Employment Insurance'. Made my first (and only) claim for three months in the spring of 1977. (Or was it 1877, feeling so old?).

Anyway, Pogy is what you likely call a payroll tax.

[sistawendy]

So working more than one job within a year means an automatic tax hassle cum refund? Splendid. Since we do everything at least as badly down here, it's probably the same here.