The dogs are walked.
Augie is fascinated by his Baby Einstein movie in his bouncy seat.
Haddie is still at her Daddy's house.
Who knew that having a 4 year old out of daycare could be so exhausting?
If any mom's want to set up a play date before we leave... I will fall over trying to get there.
Laundry is started and folded.
Dishes are done.
Hopefully now I can sit down and catch everybody up.
Some information I have learned recently:
*Do not Use Quicken Loans as a mortgage lender
*No matter how much you prepare for something,
educate yourself and organize your life, home
purchases have too many variables, they will never
be simple.
*I have an incredibly high tolerance for stress.
No nervous breakdown as of yet.
When we first called Quicken Loans the day we made an offer on our home, Nigel Levy (yes I'm calling him out. I don't like the man much) told us that Andy's alimony would not be counted against him when buying the home because he and his ex-wife had agreed to end it as soon as she moved in with her fiancé (co-habitation=no alimony), which would be 2-3 months. No big deal.
We made an offer. We paid the earnest money deposit. We asked for a VA inspection as soon as possible because we wanted to know that everything was going to be fine with the home. We got it. We paid $400. The inspection came back great. Three simple fixes... windows had to be scraped and painted, some power washing, and the door to the crawl space had to be replaced...
No more than $1000 worth of work if the seller paid someone to do everything. We are perfectly willing to accept a counter offer for slightly more to compensate for that. The appraisal came back at 58k which means if we purchased the home we would have 8k in equity to make aesthetic changes.
We got the email back around 9pm, Monday. I cried I was so happy.
Andy put in his two weeks last Friday. He accepted a job in Greensboro making what he's making now but he will be driving 2 hours less per day for his commute. I am so excited to establish something tighter with his boys. Everything was going so good.
The underwriters for Quicken called us 2 days ago. The home that Andy's name is still on is going into foreclosure and they wanted to know what he had to say about it. He had a divorce decree that relieved him of all responsibility. In that divorce decree, was an alimony statement. They told us that we have to have legal proof of the ending of alimony by closing for them to give us the house.
I feel.... cheated. We have been nothing but honest about our financial situation with these people. We made life decisions based on their word. We're uprooting our family September 21st and moving in with Andy's parents with Haddie and Augie until we can straighten this whole mess out.
Two adults+Two elderly adults+Two kids under 5+2 dogs+2 dogs= Oh. MY. God.
His parents are being insanely cool about it.
We got our U-haul from Colonial Heights,VA for $305 for the initial rental. .40/mile over 261 miles which is what it takes to get from Colonial Heights to High Point. With a 20 foot truck rental, we were given a 10 x15ft storage unit for free. After the first month it will be 100/month which means we will be looking for something to rent in Greensboro as a back up. We found a 3 br town house for more than twice what we would be paying for the mortgage at Denny St.
I'm heartbroken.
I'm overwhelmed.
I'm confused.
I'm tired. Augie got up at 4 am.
What on earth do you do when you put all of your eggs in one basket and some douche bag decides to come step on them? Make some french toast and pray they haven't stepped in dog poop recently.
Speaking of dog poop. I promised a blog about Buttercup's health issues and what I've been doing to combat them until we can get her to a vet.. I'll have to do that tomorrow.
We have a date to talk to the Underwriter from Quicken today. He offered us an FHA loan with more down at closing but we've been budgeting for the VA so we're unsure that we can afford it. Andy is going to make it a three-way call and if he decides to be nice about things, I have plans to give the man a piece of my mind. If Evil Underwriter is unwilling to discuss it, I will file a formal complaint with the company.
I have a big mouth, but I'm usually all bark and no bite. Not in this case. We have made promises to sellers. To back out because we can't get the financing gives others cause to question our integrity.
I do not appreciate that in the least.
I'll keep you posted.
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