House Hunting – Turn Negatives Into Positives
November 11, 2021
Turn Negatives Into Positives
I make that a command for myself.
When we first ran our information into a loan company portal, I felt it wouldn’t happen. I kept asking for everything I could check myself. We check credit reports constantly, we knew our shortcomings and explained everything we knew about up front trying to make sure we wouldn’t sink another chunk of our savings into an attempt and get rejected.
Last week, after being reassured falsely that I’d done everything, I was told about a secret report I can’t access that reported a “transfer error” where loans I had paid had been sold without someone passing that information along to this secret report place. My credit report showed all these loans as “paid in full.”
Doesn’t matter. This “transfer error” would take a lawyer thousands to fix and a minimum time, supposedly, of ten months, if it could be fixed because they don’t care if you “choose” to overpay… Oh well. Life.
So 20 days from what would be our closing and getting into a little house of our own, we can’t. One doesn’t have long enough work history and another has a “transfer error” that can’t be fixed quickly.
I have to find positives.
First, in less than two years, all three “issues” with our joint loan would be moot. Awesome!
Second, in two years’ time, maybe I can find a property for us to build on and keep us from any kind of loan (you know, mortgage means death and pledge, literally) and Louis said he didn’t want a mortgage.
Third, we can build our perfect simple house ourselves!!
Becky looked at me in the van last night (she’s been the most excited to leave our present situation) and said, “obviously, this isn’t what God wants for us.”
Bam! Absolute truth, but can I agree?
Flatly, once I look at the positives: Louis doesn’t want a mortgage, check, I want to build our own perfect house, check… I almost get excited.
I feel sad that I wasted so many people’s time, frustrated that again, I allowed my kids to believe we would get something we all want desperately but can’t, and sad that our savings dropped due to this. I honestly don’t care about errors, I guess we are all human.
I can only move forward: this means, making sure my children understand the importance of having everything written down. I will make paying their student loans my first priority. If it is in my power to help them better their lot, I will.
I challenge myself to move forward, learn from the past, and believe the best is yet to come… It is. Although it saddens me that my oldest daughter is an adult and we don’t have a house, I know our family is home whenever we are together!
Thank you for reading!
Type at you later,
~Nancy Tart
