Thursday, November 30, 2017

Amazed

After waiting to see how the cliffhanger I mentioned in the last post would end, I meant to post this back in October, but I have been a little busy...


Not having the mortgage commitment letter by the date listed in the purchase and sales agreement created a few problems...

As mentioned previously, I wouldn't have a door to go through in 2 weeks since I had given my landlords notice that I would be moving out on October 15. They had already shown the apartment and had new tenants lined up to move in once I moved out. I asked if there was any chance I could stay one more week.  Thankfully, they graciously said yes.

I also had to ask the seller for an extension. After talking with the new lender, he thought we could have the mortgage commitment letter by October 17 and close by October 27 (a very quick turnaround). I wasn't sure if the seller would approve an extension or not. He had every right to refuse the extension and keep my deposit. We explained that I was working with a new lender and would be putting down an additional 5%. Thankfully, he saw that as a sign of good faith and agreed to the extension.

If you've done the math as I did, you know that this left me with 5 days when I would literally be homeless. I asked some people to pray and a few of them kindly offered me a room to stay in if I needed it.

I talked through possibilities with my wonderful realtor and we came up with 2 scenarios to present to the seller:

  1. allow me to move in on October 22 and I would pay the HOA fees for October 
  2. allow me to move my stuff in on October 22 and I would pay the cost of storing my things for a week

Before she could present these scenarios to the seller's representative, they called her and offered to let me move in on October 15 for less than the cost of the HOA fees. Since I was a little gun-shy after the issues with getting a mortgage commitment letter the first time, I didn't feel right about moving in before having the letter in hand. We agreed to a move in date of October 21 with a caveat that I would be out of the condo on October 31 if things did not work out.

Unfortunately, there was a delay in getting the mortgage commitment letter by October 17 and we had to ask the seller for another extension. From my understanding, the seller's lawyer advised him not to agree to another extension. He did not sign a formal extension and didn't give us a verbal answer either way, so we continued to work with the lender to get the mortgage commitment letter as soon as possible. We finally got the "clear to close" on Friday, October 20 just in time to move in the next day.

A great group of people from Chapel met me at the condo Friday night to clean the walls, floors, and kitchen. On Saturday, more amazing friends from Chapel and one of KK's friends from HCA and her mom helped me move my hoard in record time. With the looming move out date of October 31 if things didn't work out, I had them stack most of the boxes downstairs in the "in-law suite" and planned to live out of boxes until the closing.

Finally, on Friday, October 27, I became the proud owner of a 30-year mortgage and began the process of cleaning, painting and unpacking. Here are a few pics some of you may recognize from Instagram...

Degrading cat toys and other reminders that a cat lived here previously.

So thankful to be able to sleep in my own bed on the first night...
and beyond grateful to sleep soundly all through the night!

My parents came just about every day after the closing to help me clean and paint.
Dad would do the edging while I was at work; I would come home each night and roll.

Before I could hang clothes in my closet, I had to hang some cake pans.

Leaning art. Remembering my girl.

I hope the next Legro kid likes books!

This view!

And this!

I am amazed! Thank you, Lord!

2 comments:

Heidi Peterson said...

So very glad to read your last 3 posts! Still praying for you every day in this moving forward season. May God bless you, comfort you, and sustain you through every minute of every day.

Judy Bleau said...

So happy to hear the amazing news ☺️