Wow, what a week! It has been another crazy week. After we found out that our appraisal on our house came in under the purchase price, we submitted an addendum to the sellers (to then be forwarded to the bank) to amend the purchase price to the appraisal price and to adjust our financing and closing dates, as it would no longer be possible to meet the original dates in our contract. A few days after submitting the addendum to the sellers, our agent spent several days trying to reach the seller's agent to confirm that they had signed the addendum and forwarded it on the bank--no response. So, we were even more frustrated at our limbo status because we didn't even know if our paperwork was being considered by the bank yet, but we figured this was the price we were paying for buying a short sale. Nervous about the possibility that we might end up waiting months for the bank to approve the addendum (during which time our contract would expire and I could potentially have this baby and we could wear out our welcome at my in-laws' house), B1 and I scheduled to go see some new houses on Thursday night. At 4:00 p.m. Thursday night, we got a phone call from our agent that our buyer for our condo would not be able to close on Monday as we had expected, and would be requesting a few more days. B1 and I tried to just laugh (even though we were irritated), as we had spent all day Thursday packing up the essentials of our house in preparation for our move the next day. Not only was our house packed, we had reserved a rental truck, paid for a storage unit, notified friends and family that we would need help moving, and scheduled the termination of our utilities for Monday, allowing us time to move on Friday and clean the entire condo on Saturday. We were past the point of no return, and had to move out even though we could have stayed in our place for a few more days. So, anyway, back to the showings. We went and saw two houses. One was the exact same floorplan as the house we currently had our contract on, but their basement was completely finished and the yard wasn't quite as nice. As much as we tried to convince ourselves that it was the same thing, we just couldn't get over the fact that we wanted "our" house more. The other house we didn't like at all. So, we were back to hoping that everything would work out and we could still get in "our" house and settled long before this baby comes.
On Friday morning, we moved out. We started at 10:00 a.m., and with the wonderful help of family and some friends in the ward, we were done by 1:30--this included those helping us driving to the storage unit and my in-laws' house (multiple times) to also help us unload. We then sent everyone home and B1 and I spent the rest of the afternoon packing up what we hadn't packed before everyone showed up, and making a few more trips to empty out our condo. Friday morning, while packing and moving, we got a call from the title company and they scheduled our closing for Monday afternoon! We were so excited as we thought we were being postponed, and now we could close on time. Friday afternoon rolls around, and I got another call from the title company that our closing would have to be rescheduled for the following Monday due to a contract addendum she had received stating thus. We were shocked--we knew that our buyer needed more time, but had been told "a few days, and at the very latest Friday" and now we were being told another full week. We called our agent to ask what was going on--when she called back, she explained that the buyer simply asked for a week to eliminate the chance of having us sign another addendum "just in case," but that he was still hoping to close as quickly as possible. Somewhat relieved, we signed the addendum and figured that it didn't matter much at this point anyway--we were already moved out, and as long as he closes before the end of the month we won't have to pay another month of HOA fees and mortgage payments.
Today, B1 and I spent the entire day cleaning our condo, during which I was constantly embarrassed by the realization that I am a terrible housekeeper. I'm fairly sure that I cleaned some things today that have not been cleaned since we moved in nearly 7 years ago--cabinets, baseboards...oh dear. I need to have some type of routine that reminds me to clean these areas regularly, because frankly it was quite disturbing. I just hope our buyer appreciates it, even though he'll still probably end up painting over nearly everything I cleaned (cleaning just won't fix paint chips and the various marks all over the walls, doors, etc.). As B1 and I were taking a brief break from dinner, I saw a text from our real estate agent--the bank has approved our addendum! I was shocked!!! As I sat there eating my delicious cheeseburger and fries from Wasatch Deli, it hit me that our buyer had asked for a week extension on his contract, and the appraisal coming in low had delayed us exactly one week. Coincidence? I think not! I seriously had to marvel at the Lord's hand in this, and chastise myself a bit for not having more faith. I had hope, but not the level of faith to completely trust.
So, we are so excited!! Unfortunately, we won't be able to close by next week, which would have been great with B1's work schedule, but we'll have to make do. Right now, I'm content to stay at my in-laws' for a bit. Moving was rough, and we have way, WAY too much stuff for me to be excited about moving it all again.
Saturday, April 14, 2012
Monday, April 9, 2012
One step forward, two steps back
It's been a while since I last posted about the sale of our condo. That's probably because we've had so many ups and downs that I felt I was always contradicting myself. First it was that we would be closing X day and moving Y, then that got pushed back a week, then a month. First we were having an inspection being done while we were on the cruise, and then we found out that the buyer decided to forgo the inspection. And stioll, the craziness continues. Thankfully, we seem to be in really good shape with the sale of the condo. According to the buyer's loan officer today, we will be all set to close next Monday, so we are moving this weekend! We ended up not getting the house I mentioned in my previous post, but found another short sale in the same neighborhood. Our offer was approved in less than two weeks by the bank, so we were on our way to moving into a house only about a week after closing on our condo.
Well, then the delays started. The bank wasn't providing our agent with the actual approval letter, but told us just to proceed as if we had it. That's all well and good for them, but "proceeding" meant a.) starting the loan paperwork and b.) incurring non-refundable costs on inspections and appraisals. Unfortunately, the first was not possible (the loan could not proceed without that bank approval) and the second wasn't wise (why should we incur expense simply because some agent we've never met said we had approval, which she was saying based on the word of some third party since she wasn't in possession of the approval either?). So, we sat and waited...and waited...and waited. Two weeks later, the bank FINALLY sends the letter, and now we are frantically trying to meet the deadlines stipulated in our original contract with the owners and rush our bank to complete our loan paperwork quickly. And, it was looking pretty good...until today. Our loan officer called and the appraisal on the home came back $7,000 too low. We are now left with one of three possible scenarios:
- Take $7,000 of our down payment and give it to the bank, resulting in a higher PMI payment and money that's not doing anything for us as far as equity--or, in other words, pay $7,000 more than the house is worth. Um...no thanks!
- Go back to the bank and ask that they accept a sale price that's $7,000 less to match the appraised price, and hope the bank reviews our appraisal, agrees, and lowers the price (and hopefully does this super, super fast so we don't delay our contract too long).
- Go back to the bank and ask that they accept a sale price that's $7,000 less to match the appraised price, after which the bank says they want another opinion and goes through the process of getting a BPO and/or another appraisal done before they begin negotiating with us on the final sale price, which could take months to complete.
So, needless to say, option 2 is what we're hoping for, but we are back to being in limbo--there's nothing we can do but sit and what to hear what the bank is going to do. As I was thinking stewing on this tonight, I've had a hard time not getting discouraged. We really like this house, even though it's by no means our dream house. It will have some room to grow, but we love the neighborhood and we have been so excited about all that home ownership will finally provide us with--a garage, a backyard, a basement, a garden--that to have this comes up feels like we're losing it all when it was so very close. We have been so lucky to have this process go so quickly--the sale of our condo in less than 24 hours, the approval of a short sale in just a few weeks--that any delay feels like it's all just been too good to be true. Now, I'm not writing about all this because I want sympathy or pity--I don't. I know we have been truly blessed so far in this process, and we're keenly aware of how many of our good friends in the ward would kill to be in our shoes. I've mainly been explaining all this to provide a (very long) lead-in to one of the most powerful talks I've ever heard, and which I am re-reading tonight. This talk was given by Elder Oaks at a BYU devotional in the winter of 2002, while I was in Nauvoo. At the time, I felt he was giving it specifically for me, as I had spent the past year struggling with frustration that life was not going the way I wanted it to go. The previous semester I had spent practically throwing myself at a guy who lead me on, I was rooming with the girl who was engaged to my best friend that I secretly had very strong feelings for, I was taking a semester off from my major, and I was hoping to serve a mission in about 18 months when I turned 21 despite my frustrations that I had been at BYU for "so long" and still wasn't married (yes, I was actually freaking out about not being married when I was 19!). So, anyway, this talk made me sit back and remind myself that a.) I wasn't as old as I thought, and b.) the Lord really knew better than I did about how my life should go, and I should just shut up and listen instead of telling Him how it was going to work. Now...fast forward 10 years, and B1 and I are feeling very scared. We are about to sell our condo with its lovely low mortgage payment and move away from our ward that we love so much, and we had no idea where we were going to go or if we could even find some place that we could afford. B1 was more afraid than I was, for some strange reason--usually when it comes to lack of faith, I take the cake. But this talk from ten years prior popped in my head, and we read it, and again I felt that Elder Oaks had given it for me...but for the now-me, as it applied in a whole new way.
I wanted to include a few of my favorite parts from his talk. Maybe this is just for me so I have easy access to my thoughts on this subject, but maybe this will help someone out there in blogland too.
- "In all the important decisions in our lives, what is most important is to do the right thing. Second, and only slightly behind the first, is to do the right thing at the right time."
- "The first principle of the gospel is faith in the Lord Jesus Christ. Faith means trust—trust in God’s will, trust in His way of doing things, and trust in His timetable."
- "The Lord’s timing also applies to the important events of our personal lives. A great scripture in the Doctrine and Covenants declares that a particular spiritual experience will come to us 'in his own time, and in his own way, and according to his own will' (D&C 88:68). This principle applies to revelation and to all of the most important events in our lives: birth, marriage, death, and even our moves from place to place. It is not enough that we are going in the right direction. The timing must be right, and if the time is not right, our actions should be adjusted to the Lord’s timetable as revealed by His servants."
- "Faith in the Lord Jesus Christ prepares us for whatever life brings. This kind of faith prepares us to deal with life’s opportunities—to take advantage of those that are received and to persist through the disappointments of those that are lost."
- "If we have faith in God and if we are committed to the fundamentals of keeping His commandments and putting Him first in our lives, we do not need to plan every single event—even every important event—and we should not feel rejected or depressed if some things—even some very important things—do not happen at the time we had planned or hoped or prayed."
So, let's hope I can do as Elder Oaks suggested, and take comfort in letting the Lord take control. Otherwise, I can only expect horrible heartburn in the near future as we anxiously wait the bank's decision.
Friday, April 6, 2012
Polars
This past week we had a super scary moment at the park. I had just taken D to the potty in the clubhouse and we were walking back out. B2 was playing with a friend on the slides, and D was insisting on me pushing him in the swing. Well, with me being 30 weeks pregnant, I'm not really enjoying pushing him, which requires me to stand for long periods of time and usually results in at least one accidental kick to my stomach (not hard--I'm sure our baby is doing just fine). So, I told him I wasn't going to push him on the swings and he should go play on the slides with his brother. D started throwing a massive tantrum, which I tried to ignore by walking away. Well, he follows me, and as we're sitting down I've noticed that I haven't heard any sound from his "screaming" tantrum for a little longer than usual. Once again, D has thrown one of his fits where he stopped breathing. So, I waited...and waited...and waited...longer than usual this time. D's lips started turning blue, then his face... His eyes looked panic and then rolled back in his head... My immediate thought was to do the Heimlich --after all, what else would be causing him not to breathe? Maybe he put something in his mouth while I wasn't looking and started choking? Heimlich Maneuver did nothing. D wasn't breathing, and I didn't know what to do. I was just about to run to a neighbor's house and ask for help while I called 911 when he suddenly took a big gasp and resumed breathing, sobbing gently.
This isn't the first time this has happened. Two or three times previously D had been in the middle of a tantrum when he would stop breathing, but this was the longest it had gone on and the worst I had seen. I sat, close to tears, and cuddled him, feeling hopeless that this would happen again and there would be nothing I could do to save my little boy. So, with no other options, I started searching the internet to see if anyone else experienced something similar. My first few results talked about children voluntarily holding their breath to get what they wanted, but I knew D wasn't doing this--his panicked look indicated that he clearly had no control over what was happening. Finally, I saw this website, and I became somewhat relieved. This seemed to be exactly what was happening--these spells occurred during tantrums and were not the conscious will of the child. After reading about the possible family history link, I called my mom, and sure enough one of my siblings also suffered from the same thing as a child (I'm sure my siblings can guess which one, but it's not my place to post it here), which would also confirm a family history (though not directly from me or my husband). Probably the most disconcerting part of the article is to ignore these spells as much as possible. Really--someone wants me to ignore the fact that my child can't breathe?? My mom made a good recommendation that I take a CPR class, which I will be doing next month, so that I can help D resume breathing should he pass out and not immediately start on his own. But seriously, this is awful! I thought night terrors were hard to handle, but these are way, way worse. At least with the night terrors I knew that B2 would eventually wake up or go back to sleep and be fine--I don't yet have the same reassurance with D.
Thursday, March 15, 2012
Funny Things B2 Says
This afternoon in the car: "Mom, everyone thinks I'm the greatest person in the world."
Yes, B2, we do. :)
Yes, B2, we do. :)
Wednesday, March 7, 2012
Not A (Complete) Failure
Sunday was a glorious day in our house. Sr and I got back from our week-long cruise late Saturday night (yes, I'll post about that eventually), so after our absence our boys were really excited to be with us again. So, on Sunday they were on their best behaviors, especially during church. Each Sunday we usually give each one of the boys a snack container with some type of snack (goldfish, cereal, etc.), because they're usually quiet while they eat and that's a small sort of accomplishment. Well, this Sunday B2 completely finished his goldfish fairly quickly, and quietly put the container away. That alone was amazing, but what happened next nearly brought me to tears. D had noticed that B2's container was all gone, and his container was still mostly full. So, without any attempts at getting recognition for what he was about to do, he pulled out B2's container, took off the lid, took off the lid to his own container, and dumped half of his goldfish into B2's container. I was watching, curious, as he struggled to put the lids back on. D then put B2's container back where he found it. At this point, I pointed Jr in the direction of his container and he was so happy to discover that he had more fish to eat!
I sat and thought about D giving up half of his snack without being asked, and without seeking glory for the kindness he was doing. And, for a brief second, I thought that I must be doing something right...even if they attempt to annoy each other to the point of insanity most of the time.
Sunday, February 12, 2012
What a week!
Wow, what a week!! It seems like months have passed instead of only a few days.
Last weekend the (little) boys and I flew out to Arkansas to visit my sister. She lives in a small town about a hour and a half outside of Little Rock. I must admit, I was expecting some small, almost hick-ish, town, full of overalls and people I can't understand. I joked with her that I almost brought my passport to visit her foreign city. I was actually surprised to see how large it was, and the accents were (mostly) quite easy to understand. It took us nearly 11 hours of flight and drive time and two airplanes to get us there. We left around 7:30 a.m. Mountain time on Thursday, and arrived at her house at 7:30 p.m. Central time. B2 and D were just THRILLED to be with their Aunt Rinz and Uncle J again. B2 would fearfully ask me every few hours if we had to go home the next day, and was so happy to hear that the answer was no. In the Little Rock airport, once D heard that we were done flying and that Rinz was going to pick us up, he started running through the terminal to see her. I couldn't keep up! He was just so excited, and confirmed that it IS possible for him to walk faster than he does 99% of the time when I'm in a hurry.
On Friday we went and met Rinz's co-workers. She works for a paving company, and I thought for sure that this is where I'd meet the rednecks--after all, what do you picture when you think of truckers and construction workers from Arkansas? Not only were they not rednecks, they were hilarious! We were there for probably a half hour, during which time B2 and D took turns putting on a football helmet and ramming each other, and B2 played football down the hall with one of bosses. We also met some friends of Rinz's. That evening I got to watch them coach their club volleyball team. They are coaching 8th grade girls, so it was definitely not the same as watching Rinz's college team play, or even the club team she was on as a senior. But, sadly, those girls probably would have beat our Relief Society volleyball team. That night they had a really cool thunder/lightening storm. It reminded me of my days in Nauvoo, IL. I laid in bed with the blinds pulled all the way up, watching the lightening completely light up their backyard, and trying not to let myself get freaked out by the potential horror-story scenery. Part of me was glad when it was over so I could put my blinds back down...
On Saturday we went to a park to let the boys run around and get out some wiggles. It was rather cold, and some parts completely soaked from the previous night's storm, so we didn't stay too long. We ended up just hanging out the rest of the day at Rinz and J's house. Once the boys went to bed, Rinz and J and I stayed up late playing games. It's the simple times like those that make me really miss my sister. I think she felt a little bad that we spent so much time lounging around her house, but I personally loved it. I got to relax, I didn't have to worry about my kids destroying stuff (too much, though D did seem intent on touching every single thing in Rinz's house), and I got to just hang out with my sis. Good times!
Sunday we went to church with Rinz. B2 was pretty depressed all morning when he realized that we would be going home that day, though I was surprised that he didn't cry at all. Anyway, I was a little worried about my boys in church, because we have a VERY VERY loud congregation since we have so many young children in our ward. So, I was worried that my kids would either be really loud, or it would just seem that way because everyone else was quiet. Sure enough, during a very quiet part of the service after taking a drink of water, D smacked his lips and said, "Ah!" I heard quiet chuckles all around, and was glad that a.) most people found it funny, and b.) that's the worst he said. Well, sure enough, a few minutes later he picked up his Tigger stuffed animal and in his cute little voice said, "Bun cheeks, bun cheeks, bun cheeks!" I closed my eyes hoping that no one else would understand what he was saying, but when I opened them I found that the shoulders of the people in front of me were shaking with laughter, and I internally groaned--of course everyone would understand that!! Thankfully, that pretty much WAS the worst that he said, and we had an enjoyable meeting. We left immediately after that, had some lunch, and drove to the airport. We then spent the rest of Super Bowl Sunday on airplanes and in airports, with me trying desperately to herd my children, two suitcases, two car seats, two stuffed animals, a diaper bag, my purse, and my ginormous self through the crowded and unfamiliar terminals. And, unfortunately, I had two children who were not terribly excited about putting more distance between them and their beloved aunt and uncle, which only added to the difficulties. But, we made it back without injuries or beatings, so I consider the trip a success. But that doesn't mean I'm doing it again any time soon, at least not without another adult to help me.
The next day I got a call from her agent around 12:30, and she said that the buyer was still interested and when we could be ready to show. I told her all the things we had wanted to do before we listed it (paint, decorate, fix some stuff up, clean, de-clutter, etc.), and said that I could have it in good show-ready condition, if not in staged condition, in about a week. She said she'd talk to the buyer's agent and call me back. She called me back at 1:00 and said the buyer wanted to walk through at 5:00 that night. I explained that the house was messy (I hadn't even done the dishes from the night before), and that there were some large items I wanted to remove to make the rooms look better. I said I'd do my best, and asked if she could come early and let me know if I would be doing more harm than good by showing it in its current state. She agreed. I called B1 and let him know, called my in-laws and asked them to watch the kids so I could clean, put out a plea on Facebook for help cleaning, and called my sister Beez and asked for her help. B1 ended up getting off work early, my father-in-law loaned us his truck (and offered space in his basement) to move extra items out, and the neighbor who sent us her Realtor with a buyer and my sister came and helped clean. It was nuts--we got the house super clean, removed a queen bed and dresser and quite a few boxes and bags of extra items and odds and ends, and walked out the door promptly at 5:00 p.m. as the buyer's agent was pulling up. I never could have done that if not for Beez, B1, my mother- and father-in-law, Beth (the neighbor), and Erin (another neighbor who watched Beth's daughter so Beth could help). You guys are awesome!! We were afraid that this guy would see our condo in its quickly-cleaned state after seeing Beth's show-ready condo and not want it, but he made us an offer late that night which we accepted on Friday.
We then sat in shock as we realized what this all meant--in less than 24 hours, we went from maybe thinking about considering the possibility of selling our condo to almost-definitely moving (assuming the contract goes through smoothly). After nearly 7 years, we will be selling our condo, moving out of our wonderful ward and away from so many friends, and going to live who knows where. It's horribly depressing and super exciting, all at the same time. After all the complaining Yesterday we went and found a home that we are really excited about, and have our first offer of our new buying season in. I know, it seems crazy that we're bidding on the first home we walked through, but keep in mind that we really started home shopping a year and a half ago when we put our condo on the market last time, and haven't really stopped. We kept watching the MLS, getting sad at homes we loved going under contract and secretly hoping that some homes would stay on the market until we would be ready to buy again. Plus, the one we saw is a little bit of a fixer-upper, but has so much potential and has just about EVERYTHING we want: a big backyard (bonus: it's already almost completely fenced in), cold storage in the basement for all my food storage, a garage, a decent-sized kitchen, a pretty porch, and a good neighborhood. But, we know we are going to be one of many offers made on this place, and we also know we won't hear anything for at least another week (if we can survive the anticipation). On the one hand, we think it too good to be true that we would buy the first house we find that we really love, but on the other hand a week ago we would have never thought it possible to sell our unlisted condo within 24 hours. So, we will just have to see. We are going to keep looking at other houses as they become available and hope we find something quickly, as we will most likely be moving in with my in-laws until we find a house. While I so appreciate our in-laws taking us in, I know it's in both our and their best interest that we don't stay too long. :)
So, that's our week. Sheesh! Absolutely crazy, but at least it's a good crazy.
Monday, January 30, 2012
Funny Things D Says
This really ought to be more of a "Sweet Things D Says" but since I don't want to create a new category...
Me: "Do you want a Gummy Bear?" (Yes, I'm an awesome mom for giving my kid Gummy Bears for breakfast)
D: "Yeah! Yeah, yeah yeah!"
[D picks out his Gummy Bear]
D: "B2 wants one!"
He then carefully picks out a bear for his brother, runs to him, and in the most excited voice says, "Here B2! Gummy Bear!"
Me: "Do you want a Gummy Bear?" (Yes, I'm an awesome mom for giving my kid Gummy Bears for breakfast)
D: "Yeah! Yeah, yeah yeah!"
[D picks out his Gummy Bear]
D: "B2 wants one!"
He then carefully picks out a bear for his brother, runs to him, and in the most excited voice says, "Here B2! Gummy Bear!"
Subscribe to:
Comments (Atom)