We are officially homeowners!!!! Words I thought I'd never say! It is an incredible ending to the story too.
By Friday I was so discouraged and felt like I was ready to just walk away. We had jumped through so many hoops and done so much work. The underwriter didn't like some of the documentation we had given showing where the funds came from for our down payment and closing costs. I didn't know what more they wanted from us. I called my Mom and was hysterical so she prayed with me and I knew that it was time to just let go and let God.
I was so at peace when I woke up Saturday morning. It was the weekend so there was no waiting by the phone and no jumping through hoops. I just enjoyed the day with my family. Saturday night one of Justin's co-workers came over and said something about how they had gotten paid early. When we check the account that night we were both stunned. Justin's paycheck was $1000.00 over what we were expecting!!!! And, the full amount was the EXACT number that the underwriter had asked us to document!!!!! I knew in that instant that the Lord was telling us that he was still there and in control. Sunday at church, Worship was amazing. By the time I got home I felt so refreshed and just at peace.
Monday morning when I woke up, I knew that the loan was going to fund that day and that it would happen early in the day. It wouldn't be another day full of waiting and anxiety. Sure enough I spoke with the lending company that morning and she told me that they just needed to see Justin's paycheck. When I told her the amount, she said, "NO WAY!!! Well that's an answer to prayers!" She was just as excited as we were. Once I sent the proof of the deposit she personally walked the file to the funder to fund the loan. By 2:00pm the loan had funded!!!
Getting the keys today was the most amazing feeling in the world and it still doesn't really feel real. We didn't get the keys until late in the day so we got the window coverings on and the fridge in place and that was about it for today and we are staying at Justins moms for the night. Tomorrow when we have all our beds and things there we will spend the first night as a family in our new home.
Wednesday, June 17, 2009
Thursday, June 11, 2009
Days Go By.....
So here is yet another house update for anyone who is interested!
After weeks of being told, "Loan Docs Tomorrow" and numerous issues, we finally got to sign loan documents!!! We were so relieved and excited. As most of you know, I have worked in real estate. Well, in my experience, you sign loan docs and it "funds" the next day and then records the following day and YOU GET KEYS TO YOUR NEW HOME!!!!! But, it turns out that's not the way it works for us ;)
We signed loan docs last Wednesday and the lending company is still dragging their feet on completing their file so that the loan can fund. What Justin and I have been put through in the last month has been an absolute nightmare. To all of the people involved, it may be just another days work but for us, it has been an emotional and stressful roller coaster ride. We are both so burnt out and frustrated.
Yesterday, I called the corporate office for the lending company and spoke to their Operations Manager. She took our file home last night to work on it and called us at 10:00pm to go through it with us. There are only a few missing items keeping us from closing... only one of which was needed from us. The other items they need from the builder and escrow. It was so nice to feel like someone was FINALLY trying to help us put an end to all of this.
My mom is constantly reminding me that it is always darkest before the dawn and that you never see a rainbow until after the rain. Justin and I have been through so much with our living situation over the last four years. We have never been through anything more stressful than this. I cannot tell you how many times in this last week I have been ready to just walk away. Walk away from the house we watched be built from the ground up. Walk away from all of the details and options that we chose to make it our home. But when I lay in bed at night I can see Justin and Chloe making pancakes in that kitchen like they do on Justin's days off. I can see their bedrooms painted and decorated. I believe there will be a rainbow after this storm.
I was reminded by Bonnie that we are so blessed to be in the position to buy a home right now in times where so many families have have lost theirs. When I think about it that way I am overwhelmed by how blessed we truly are. So, we will see what this next week holds. I know that once we have the keys to our home, none of this will matter any more.
After weeks of being told, "Loan Docs Tomorrow" and numerous issues, we finally got to sign loan documents!!! We were so relieved and excited. As most of you know, I have worked in real estate. Well, in my experience, you sign loan docs and it "funds" the next day and then records the following day and YOU GET KEYS TO YOUR NEW HOME!!!!! But, it turns out that's not the way it works for us ;)
We signed loan docs last Wednesday and the lending company is still dragging their feet on completing their file so that the loan can fund. What Justin and I have been put through in the last month has been an absolute nightmare. To all of the people involved, it may be just another days work but for us, it has been an emotional and stressful roller coaster ride. We are both so burnt out and frustrated.
Yesterday, I called the corporate office for the lending company and spoke to their Operations Manager. She took our file home last night to work on it and called us at 10:00pm to go through it with us. There are only a few missing items keeping us from closing... only one of which was needed from us. The other items they need from the builder and escrow. It was so nice to feel like someone was FINALLY trying to help us put an end to all of this.
My mom is constantly reminding me that it is always darkest before the dawn and that you never see a rainbow until after the rain. Justin and I have been through so much with our living situation over the last four years. We have never been through anything more stressful than this. I cannot tell you how many times in this last week I have been ready to just walk away. Walk away from the house we watched be built from the ground up. Walk away from all of the details and options that we chose to make it our home. But when I lay in bed at night I can see Justin and Chloe making pancakes in that kitchen like they do on Justin's days off. I can see their bedrooms painted and decorated. I believe there will be a rainbow after this storm.
I was reminded by Bonnie that we are so blessed to be in the position to buy a home right now in times where so many families have have lost theirs. When I think about it that way I am overwhelmed by how blessed we truly are. So, we will see what this next week holds. I know that once we have the keys to our home, none of this will matter any more.
Thursday, May 28, 2009
Home Sweet Home.... PLEASE?
Yet another interesting endeavor for the Boosalis family! 10 moves in 4 years and each one has been drama filled. So our original move in date was May 13th. We have been told that we would have closing docs "tomorrow" at least five times and have gone days at a time without any news at all from our lender. This process has been so stressful and emotional for us. We are currently living at Justin's Moms house which has been a blessing because we have been able to save the money needed for the down payment. However... every rose has it's thorn. With the 4 of us, Justin's mom and Justin's older brother all living in one house.... there are a few issues as you can imagine.
It was so exciting and fun watching the home be built and picking out all of our options. We enjoyed meeting our neighbors at one of the first walk throughs and looked forward to all moving in at the same time. Now the fun and excitement is long gone and our neighbors have been in there homes for two weeks while ours is the only one on the street sitting empty.
I spent all day yesterday calling and emailing our lender in an attempt to get some kind of answer. Finally, I heard from him.... and it wasn't what we were hoping to hear.
As of May 1st he has decided to leave the company that he was with when we started the process. The original underwriter who gave us our approval months ago has left the company as well so our file was given to a new underwriter. This new underwriter is where the problem is. So, our loan officer is running our file through his new company as well as his new company to see who can get it done first.
As of last night the lender said that he was working as hard as he could to fix this mess and that he was very sorry for what it has done to us. He told Justin last night that he was really hoping to have loan docs by this afternoon and he has been communicating with Justin this morning.
I don't have much faith in our Loan Officer or either of his companies at this point but I do believe that it isn't in his hands anyways, it's in the Lord's hands. I do believe that with all the prayers we've been sending up that it could still happen before this weekend. So, we will see how the day plays out.....
It was so exciting and fun watching the home be built and picking out all of our options. We enjoyed meeting our neighbors at one of the first walk throughs and looked forward to all moving in at the same time. Now the fun and excitement is long gone and our neighbors have been in there homes for two weeks while ours is the only one on the street sitting empty.
I spent all day yesterday calling and emailing our lender in an attempt to get some kind of answer. Finally, I heard from him.... and it wasn't what we were hoping to hear.
As of May 1st he has decided to leave the company that he was with when we started the process. The original underwriter who gave us our approval months ago has left the company as well so our file was given to a new underwriter. This new underwriter is where the problem is. So, our loan officer is running our file through his new company as well as his new company to see who can get it done first.
As of last night the lender said that he was working as hard as he could to fix this mess and that he was very sorry for what it has done to us. He told Justin last night that he was really hoping to have loan docs by this afternoon and he has been communicating with Justin this morning.
I don't have much faith in our Loan Officer or either of his companies at this point but I do believe that it isn't in his hands anyways, it's in the Lord's hands. I do believe that with all the prayers we've been sending up that it could still happen before this weekend. So, we will see how the day plays out.....
Friday, May 22, 2009
So Much Has Changed...
Wow! So much has changed since I wrote the first blog!!!! Let me bring you up to speed....
Cody Michael was born September 16, 2009. He was 8lbs 1oz and 19.5 inches long. I cannot believe how quickly time has flown by the second time around! He is now 8 months and he is such a joy! He is a VERY easy baby and happy all the time. He is a speedy crawler and pulls himself up on anything and everything. He is beginning to stand on his own and maneuver from one piece of furniture to another. He is without a doubt the final piece that completed the Boosalis family!
Cody Michael
Cody Michael was born September 16, 2009. He was 8lbs 1oz and 19.5 inches long. I cannot believe how quickly time has flown by the second time around! He is now 8 months and he is such a joy! He is a VERY easy baby and happy all the time. He is a speedy crawler and pulls himself up on anything and everything. He is beginning to stand on his own and maneuver from one piece of furniture to another. He is without a doubt the final piece that completed the Boosalis family!Chloe Sophia
Chloe just turned 3 in February! It is so much fun to watch her grow and blossom into such an amazing little girl. She has the greatest imagination and LOVES any interaction with other children. Sunday School is one of her favorite activities. She loves riding her big girl bike and playing outside. She is an amazing big sister and there has not been an jealousy shown towards Cody. In fact, no one can make Cody laugh the way his big sister can!
Family News
We are finally buying our first home! As most of you probably know, Justin and I have been through SO MUCH with our living arrangements over the last four years. There have been a few unsuccessful attempts at home ownership and 10 moves in all.... 10 moves in 4 years!!!!! CRAZY! But this will be the last for quite some time. It's a brand new house and we got to go to the design studio and choose everything we wanted in our home. Watching it go from a dirt lot to our home was amazing and exciting. Right now we are a bit discouraged to be almost 2 weeks past our original closing date but we are almost there. It will be so worth it in the end!
So that's a quick update on the Boosalis family! I will be updating the blog more often so check back to see what new and exciting adventures we are up to!
Friday, May 16, 2008
Life
So here is my first blog!!!! Let me update all of you on the Boosalis family life...
There is always a lot going on in the Boosalis home. Justin is LOVING his job with the Sheriff's Department and is still going full time to UC Riverside. He continues to amaze me with his drive and determination.
I am loving my "job." I say it that way because I am so blessed. I am able to work whenever I am able and have no set schedule. It is WONDERFUL because I do not have to worry too much about what to do with Chloe, I just work if Justin is home or if his Mom is available. It also allows me the freedom to go visit my family whenever I feel the need. I truly enjoy having the chance to get out of the house a few hours and do what makes me feel really good.
Chloe is just as amazing as ever. I believe we are over the worst of the "Terrible Two's" and now understand just why they are so terrible. She really is doing great though. She is talking more and more and that makes life easier on her and us. Potty training is the biggest task at hand but to be honest, I haven't given it as much effort as I should. I hope to have her Potty trained by the time that lil boy Boosalis joins us...... we'll see about that.
As for the lil bun in the oven, he is cooking just fine so far. I am really enjoying this pregnancy and with Chloe to keep me busy this one seems to be flying by.
So, that's just a little bit of where we are at this time in life! Keep checking in to what's going on in our busy lives!!!
There is always a lot going on in the Boosalis home. Justin is LOVING his job with the Sheriff's Department and is still going full time to UC Riverside. He continues to amaze me with his drive and determination.
I am loving my "job." I say it that way because I am so blessed. I am able to work whenever I am able and have no set schedule. It is WONDERFUL because I do not have to worry too much about what to do with Chloe, I just work if Justin is home or if his Mom is available. It also allows me the freedom to go visit my family whenever I feel the need. I truly enjoy having the chance to get out of the house a few hours and do what makes me feel really good.
Chloe is just as amazing as ever. I believe we are over the worst of the "Terrible Two's" and now understand just why they are so terrible. She really is doing great though. She is talking more and more and that makes life easier on her and us. Potty training is the biggest task at hand but to be honest, I haven't given it as much effort as I should. I hope to have her Potty trained by the time that lil boy Boosalis joins us...... we'll see about that.
As for the lil bun in the oven, he is cooking just fine so far. I am really enjoying this pregnancy and with Chloe to keep me busy this one seems to be flying by.
So, that's just a little bit of where we are at this time in life! Keep checking in to what's going on in our busy lives!!!
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