Writer in San Francisco, CA
and they strike through my heart, like bullets, like shards of glass
an endless procession of death and murder, there is no ignoring how
the violent acts reverberate, pulsing through the inner cores like an
epicenter, an atomic bomb. I lay wasted, recovering in the rubble.
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Here, I float, latex belly, swollen with helium, kindest intentions and thoughts streamlined and syphoned into my narrow opening, bow-tied shut and noosed with a plain ribbon. I am let go and swirl up into the opalescent blue. A signal, a traveling marooned miniature island in the sky.
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maybe its ok, to slip into the dark bar and settle in the back
among the discarded lip-smudged glasses, maybe i won’t get high
today or intake egregious amounts of CBD to calm my catapulting stomach, maybe
there is nothing wrong with the quiet, possibly, since the eyes always
stick to my skin, like roving centipedes I can feel everyone coming after me
maybe I’d be safer at home, among the dream-soiled pillows and second-skin
blankets, there is strength in the solitude, or is there? my only friend, my pet would know, would they?
I am strong in my sequestered life, still life, as I freeze in the headlights of all
these strangers staring at me.
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He drinks lava and slinks among the alien fish on the black abyss seafloor, scourging any creatures that dare wander too close. Once a God, now
discarded scum. The sea boils, sickened with pollution and the monsters wait silently for a command. Lost all hope to reconquer the humans, to
make them fear the sea again for reasons they should. No, he is weary, brimming with resentment and the ancient gold bones in his ethereal
body have begun to crack. Floating upward through shades of blue, he baubles to the surface, aimlessly rides a wave and
crashes back down into his tormented slumber.
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Many Americans have made life-changing decisions during the Pandemic, including buying a home, getting married, and starting a family. According to Statista, approximately 7 million homes were purchased in 2021, and that number is expected to increase steadily. Homebuyers and sellers must become familiar with multiple factors that can speed up the closing process while considering potential delays. This article will review the potential factors and quickly explain possible delays to keep an eye out for.
Type of Loan
According to data from ICE Mortgage Technology, Inc. Origination Insight Report from August 2021, conventional mortgage loans took an average of 45 days while FHA loans took 51 days, and VA loans took 52 to close
A way to lessen the time it takes to close is to either buy the home in cash or accept a cash offer when selling. This is not a realistic option for a majority Americans, but the closing process time could remain within the average by planning, staying organized, and maintaining clear communication between parties.
Find A Trustworthy Lender
Along with the type of loan, your choice of a lender can make your home-buying journey smooth and less stressful. It’s vital to research and pick a lender with excellent credentials and recommendations. A lender who communicates effectively and frequently is ideal, so little time is spent clearing up confusion or miscommunication errors.
Appraisal: For What its Worth
A lender may hesitate to proceed further with closing procedures if an appraisal is too low, according to Rocketmortgage. Often a second-party appraiser can be called in to assess the worth of the home.
The Money: Payment, Credit History and Debts
If you’re buying a home, send that money over! A potential delay in processing can occur if there hasn’t been enough time to trace the money. Refrain from making large purchases that may adversely affect your credit score during the closing process. Be sure to double-check if you may have any unpaid debts. Fluctuations in your credit score or a history of debt can slow or halt the process, requiring another more thorough review of your application details.
Title, Insurance and Repairs
Obtain title and home insurance promptly and ensure a preliminary inspection is completed. Have the title checked to ensure there are no discrepancies or issues. Potential delays can occur if any problems are found in these details. A last-minute walkthrough could also reveal impediments that need to be removed before the sale, according to Homelight.
The closing itself takes approximately one to two hours, requires proper identification, and involves signing various legal documents. Rejoice in getting the keys to your new home!