Finally got an estimate

I got a call back from Poalim on erev chag saying that the teudat zakaut had finally come in.  After several failed phone calls, because they don't answer their phones, made an appointment to get an estimate and actually apply for a mortgage.

I arrived on time, and still had to sit there with a squirmy 10 month old while the banker puttered around.

The estimate she gave me was amazing. She said we get better rates because we have an account with Poalim, and the rates she gave me were much lower than Mizrahi had cited.  She also realized that we're still missing a crucial piece of paper, an ishur zechuyot, so we called my lawyer who called the seller's lawyer, who called the company - in short, we're stalled until we get that piece of paper.

In the meantime, I went into Otzar Hachayal to see if we opened an account there if that meant better mortgage rates.  They told me it is illegal to do quid pro quo, but that we could get good rates anyway.  Interesting.

I have an appointment for an estimate with Otzar Hachhayal for Thursday. We'll see what rates they offer me.