What a Mess!

If someone could describe our day yesterday it would have been best described as "a mess." Lets back up to Thursday... we were really excited that FINALLY our house plans were complete and our builder was taking them to the town of Apex so they could approve them. It has taken forever to get here but it seemed like we were finally making some progress.

Now fast forward to yesterday morning. Josh had a final meeting with the man at the bank (who we will never use again or recommend to anyone) about the loan. As of two or three weeks ago everything was great and we were approved according to him. We knew we had to put down 23,000 for closing because we were doing a construction to permanent loan. Basically this whole loan process has been a big nightmare because the house is already there just gutted. If we had just bought land without a house on it would have been much easier or if we had built in a new neighborhood. So today when Josh met with the loan person (I won't say any names because he is a friend of my dads) he tells us the only way to do the construction to perm loan is to put 47,000 down now, put 10,000 in a CD and then when the house is done put another 5,000 down for that closing. Well add it all up and that is 62,000. I am not sure about you but to me that is  quite a bit of a difference of a down payment. So...it is possible that we could end of not getting the house. Josh went and talked with the guy that owns it (who has been really great during all of this) and we are trying one more person tomorrow at Wells Fargo. We are just praying if it is meant for us to have this house that it will work out and if not then so be it. The only other issue is...we already gave him 10,000 as a down payment and we are hoping he is understanding and will give it back to us if it doesn't work out. We just can't justify putting all that money down and having nothing in savings and nothing extra to put into the house. I have to say this has been a big headache and I am ready just to know something either way. We are also ready to add another member to our little family but have decided to wait until all this house mess works out. I know this will be our last baby and we want to enjoy every minute of it and not be stressed out about a silly house.

How could this sweet little kid....

make a mess like this?

 

I told you "a mess" is the best way to describe our day!! However I have one cute little boy and one great husband so I wouldn't have it any other way.