A Little Good News

I just called my loan officer, who told me that we can probably just get this bad boy signed at closing. So that's good.

Last hurdle seems to be that I want Andrew's name on the property, even though only mine is on the mortgage (for now-- we're going to re-fi once we both improve our credit a little). My escrow officer told me that I'll have to get a letter from National Bank of Kansas faxed over approving it... not sure why...
I mean, if it's going to slow things down, then I have no problem owning my own house! But I would really prefer he be on there. We want joint tenancy with right of survivorship, that way if anything happens to one of us the other will not have to deal with trusts, weird inheritance issues, family disputes, etc. We recently signed the domestic partnership register here in the City of Tucson, so that seems to be the way to go.
UPDATE: I just got off the phone again with my loan officer... he says this will be no problem to have Andrew on the title. The only problem is that he has to come to the closing. This throws a serious wrench into our idea of having the appliances delivered tomorrow, but mayyyybe we can find someone to go wait at the house for us? Or something??? I guess Andrew will have to decided whether he would rather have his appliances on time, or be on the title to the house. His call!

Speaking of which, I'm still worried about the legalities and logistics of having just my name on the mortgage right now. My realtor went to law school, and keeps telling me we'll get some sort of protection written up for us to sign and have notarized... but so far, we haven't. Understandable, he's busy, but it's scary to think that if (god forbid) anything happened between me and Andrew and he walked out, I'd have a $1200 / month mortgage all on my own. Or that once he's on the title, he could claim have of the house even though right now only my money has gone into it.
And of course I do not think there's the slightest possibility this could happen. But I'm so tired of seeing women get screwed because they're too much in love to do the smart thing, they're too worried about looking bitchy / greedy / suspicious to get some protections for themselves. This is OUR house, but should "we" cease to exist, but bet your sweet ass I'm going to get my time and money's worth back out of it-- with interest haha.

Yesterday I signed and faxed back the Seller's Property Disclosure, but the Seller's agent has already lost it. Surprise surprise, he's lost just about every document we've ever sent him (including an HOA questionnaire which he MUST get back to us today but apparently has never heard of... idiot...). So I faxed it again.
If he ruins this closing date for me, he is in BIG trouble!! But I'm being nice right now, because I want him to give me the keys tonight... that way Andrew can wait at the house for his darn appliances while I'm signing closing papers.

I'M EXCITED!
(AND SCARED!)