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building the house

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Building the House Episode 8

*pours you one of those humongous mugs of tea and slides you a whole bag of biscoff* You’ll need it.

Where did we leave off?

Well remember a few episodes back we were concerned with the funding and had to pay off some bills? Well we finally got the verdict on that from the bank and everything was where it needed to be and we were officially allowed to start the financing process. We got everything back from the underwriter with very minimal conditions.

*insert praise break*

Things are on the up and up. We’re gathering the few additional documents the underwriter has requested and this even happened

IMG_6530

 Oh, but don’t get too excited.

So fast forward to Monday of this week, I stop by the builder to request a cancellation form from the very first lot that we had..Remember? She has that look on her face and asked me to come back on Tuesday.

*slow walks back to the car*

Tuesday she explains to me that the county had come out to do their measuring, and while they promised us the ability to have a side garage we would not be able to get that option on that particular lot.

Sooooo you mean to tell me….I kept my mouth shut and processed my thoughts before I opened my mouth.

Basically I told them this was the second time we were promised something that couldn’t be delivered and we wanted the side garage and they needed to make it happen or we would be walking away. She tried to downplay it and that almost sent me spiraling but I kept my composure.

See. We’ve struggled, we’ve settled on many things, we’ve believed and we’ve paid our dues these past 10 years. This is our forever home and we want what we want….and in this instance my friends it is a side car garage.

After some last minute shuffling and accommodations they were able to move us to another lot towards the front. I’m not crazy about it but I will compromise because at this point there are no other options rather than to wait another 6 months when the new phase opens. So we end up here.

Lot 69

Theeeeen I go there yesterday to handle all of the paperwork because we needed to create a new contract. In the process we discover that the survey had already been done on that lot and it was measured for a back staircase and we have to keep that option and they are trying to stick us with the cost…NOPE. That will be my fight for the next few days…I was there from 9 am to 11:30a. Left to run a few errands and pick up my son. Got back there at 3p and didn’t leave until 9p. That was a full day at work and add in whining, bored, hungry children. I was praying in my head the entire time. So since we were finalizing everything I thought it a great idea to throw in some additional amenities that increased the cost so now this all has to go back to underwriting. So now I bite my nails waiting to see if this new contract is approved..

Oh and this house will be on the market tomorrow.

God IS able!!

Need a tea refill?!

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Building the House Episode 7

It has been a minute since I’ve done an update on our house situation and oddly enough nothing has changed. When I say nothing has changed I mean the physical status but the wheels behind the scenes continue to turn.

After my last update we finally decided to give up on the original agent and I submitted our paperwork to a business in the area that promised they could get a short sale done for us without us being delinquent on a payment. I gathered together all of the 4,872,129 pieces of documentation that they needed and sent it on.

Within two days I was contacted by an agent who wanted to come and take photos of the house to put it on the market. I had to delay her a few days. However, after our conversation it was decided that based on the market need in our area this house would likely sell before the new one was finished. After speaking with the underwriter we have decided to wait on putting the house on the market until the concrete has been poured at the new house.

Source: 24.media.tumblr.com via Krystina on Pinterest

Still we wait. But I am taking this as a lesson that God is really trying to show us that He controls all of the timing of things in our lives. In my haste I went through all of this trouble to get someone else to list the house and in the end I made more work for myself because the outcome remained the same. I’m not sure when they plan to pour the concrete, and I don’t plan on asking. I am receiving my lesson and letting everything take its course. I am understanding that although there is no physical manifestation at this time there is certainly a growth in faith and expectation.

So we wait!

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Building The House…Episode 6

Much has changed since my last post. Not so much on the construction end but from my mental space regarding this process although I am sure it will change again. However at THIS moment I am in a good space.

Ultimately I know that in MY life all things come from God. ALL things. With that I have to leave this process in His hands and do what I can. Letting go is such a necessary evil, and these past few weeks have shown me that in more ways than one. I’m forcefully having to accept and swallow this horse pill but I’ve been praying and this week has been good.

The bank finally responded and basically approved us for the option to skip three payments. Once we skipped those three payments they would consider us for the short sale.

Nope. Not an option. We can’t miss any payments. After that news I got in contact with another agency that specializes in short sales and I was ready to send them our paperwork when the sales agent called to say she had been swamped and profusely apologized for her lack of attention to our file and that she would be contacting the bank on our behalf to complete the process.

We have decided to let her proceed putting our faith where it belongs and hoping for the best. Our lot still has not been graded but building is well under way in the first phase. It is really looking like January for the foundation to be poured with a closing date sometime in March or April. We need all of the time we can get!

 

NaBloPoMo

Building the House Episode 5

This week was a bit of an emotional roller coaster for me when it came to this entire process to date.

I’m about to ramble so stay with me.

The house is still not on the market. Again, I do not know why. I voiced my concern to my husband and he seems very nonchalant about it. I went to speak with the agent and she was on her way out. Told us to come back at a certain time and she was not there. On top of that we got news that we need to pay off a substantial amount of money on our debt to continue the loan process. It was a surprise but as usual I found it in me to thank God that we had the money to cover it and not be affected.

I’m losing sleep over this house not on the market thing because if we don’t get out of this house we don’t move and for some reason I seem to be the only one concerned. The short sale paperwork is moving and hopefully by next week we’ll be approved and assigned a negotiator. From there they said it will take about 60 days from the date we receive an offer to complete the process.

My husband keeps saying just let God work it out but on the other hand I can’t leave some things to chance but then I am being unfaithful I guess. I don’t know. I’m confused and at this point I have told myself that I will continue to document this journey. I am praying for the best and sort of expecting the worse to keep myself from being too disappointed if things don’t work out. However, in the pit of my stomach/being with the same fervor that I knew I was carrying a boy and then a girl before I was even told I have THAT feeling that we are building and will be living in our dream house.

So I continue with these posts.

No further movement on our lot at this time however the street lights have been put in.

There are currently two other homes being constructed and one already has a second story but I won’t show those pictures to keep it from being redundant when ours starts being  built.

*sigh* As you can tell I’m in a little funk about this. I don’t like not being able to see what’s coming but sometimes our best blessings are delivered when we don’t see the way.

I’ll just continue to pray and wait….I guess.