You know I hate to beat a dead horse but. . .

I’ve just been told that in order to finalize our closing papers, the mortgage company needs some proof that we are currently living at the address we say we are. Apparently, a utility bill made out to the address or a bank statement will suffice.

The trouble is, we don’t really have an address right now. We’ve been having mail sent to us at my parents’ house, but we’re not really living there. We’ve been staying at a friend’s house in Westmoreland county until the closing. So, we have no utility bills (other than the ones that were forwarded to us from Montana–and those don’t count). We also have no lease (my parents, strangely enough, didn’t feel it necessary to draw up a binding, legal agreement with us–shame on them!).

Hopefully, I can get my hands on a bank statement with the address. We’ll see.

But in the meantime, I’m left wondering, why the heck do they need this?! According to our loan processor it has something to do with the Patriot Act. I knew I hated that law!

What if we didn’t have an address right now at all? What if we were living in the back of our van? Or if we had decided to stay at a residential hotel until the closing? Would our mortgage application simply be rejected?

Monday cannot come soon enough for me.