Now don’t panic yet…

Posted by Leigh on September 7, 2008

Home building is tiresome, trying and hardwork, and just as we thought we we’re about to move in….
We run into yet another glitch…

Our final inspection is schedule for tomorrow, I was so excited on Friday when they came and hooked up the electric just hours after I had called about it. Then at four o’clock on Friday, as I was getting my daughter off the bus, I got a call from our mortgage broker.

I always hate it when the first words out of someone’s mouth are “Now don’t panic yet…” But that’s what I heard from her. Through no fault of our own, the bank that had given us a loan commitment, upon the completion of our house can no longer fulfill that commitment. They’ve gone under, their investors will not give them another cent, and the owner was taken to the hospital with chest pains.

Isn’t that just our luck. Just three days before we should have gotten the OK to move in, things go bad. I have to admit, I cried. We’re living in my parents basement, all in one room. And now we’ll be here for who knows how long, until we secure another loan.

Anyone want to lend us about a hundred thousand?

So now we pretty much have to start over. The mortgage broker send us an application by email, from a lender that has pre-approved us, but it looks questionable to me, so…. I also have an appointment at a local bank tomorrow morning with my parents to see what they can do to help, my dad has even offered to put his house up as collateral if needed (but we sure hope it doesn’t come to that.) So I guess we’ll see what comes up there. We’ve also spoken to our attorney about it and he’s assured us that because we’ve stuck to the terms of our contract, that they have to find us a lender because they can’t touch the property.

Either way, they don’t want us living there until we have secured a loan, one way or another. But we’re going to fight it. Hopefully, the loan officer, who is a friend of my father’s, at the local bank tomorrow will be able to answer a few questions for me, as our attorney does think that they can legally keep us off our of own property.

Let’s all keep our fingers crossed and hope that the situation is resolved quickly, as none of us can take being “basement dwellers” for much longer!

Hope everyone had a better weekend than we did!

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Children and Relationships

Posted by Leigh on

We’ve been living with my parents for a while, while we wait to be able to move into our new home. My daughter hears me refer to my parents as mom and dad, but she doesn’t really understand it. She knows them only as Neenie and Poppy, her grandparents. She also spends a lot of time with my grandmother, her great-grandmother.

Lately she’s been asking me why I call my parents mom and dad, but she just can’t believe that they are my mom and dad. Apparently she thinks that “Tall People”, that’s what she calls adults, don’t have parents. Then it really blows her mind that Grammy Rinie (that’s what she calls my grandma) is actually Neenie’s mother. But Neenie is old, how can she have a mom? She asks me.

It just amuses me to no end, that she just can’t fathom the relationships of adults. Apparently anyone grown-up just hatched from an egg, at least in her mind. So I try to quiz her on it. I’ll ask her who her parents parents are and she gets that right, I’ll ask her who her brother’s parents are and she usually gets that one too, but sometimes gets confused because he’s actually her half-brother, as they have different fathers. But when I ask who who my parents are, she just looks at me like I’m crazy and tells me I’m too old to have parents.

Then I’ll try to explain it all again, and she still doesn’t believe me. I wonder if I should even mention that her two aunts are my sisters. That would probably confuse her even more.

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