Monday, July 26, 2010
Good things are happening!
We are currently selling our home and moving. Where to? That is a question I ask myself everyday. But, we will be moving. My heart is set on Utah. For a lot of reasons. I never ever thought of myself living there, but at this point, most of my family is there and I am tired of being so far from family.
We'll have to find out where we are moving before Sep 6, as that is the date the bank has set for our sale to be completed by. Why is the bank deciding this? Well, we are one of the ones who bought when the market was almost peaking here in SoCal. We bought Dec 2004 and it all went downhill Jun 2006. (Amazing to see those dates and realize what we have gone through since then.) I will post numbers and information here, hoping that our experience might be helpful for others going through anything similar.
We bought our 1875sf home in 2004 for 365k. We started a loan modification process through Pres. Obama's Making Homes Affordable program. (I thought this might be the only thing I really benefited from from Pres. Obama's Presidency, which turns out didn't really benefit me.) We'll, 6 months later we found out that the bank denied our Loan Modification, upon the grounds of insufficient information and that our hardship wasn't supported. Well that got my blood boiling, because I would call EVERY month to make our modified payment and asked if they needed more information from me, and they never did. We started our Mod payments in December and apparently they knew in Jan, but never told us, that we would be denied. So we payed up till May when the notified us and then had to make some relatively quick decisions on what to do with our house. We decided to Short Sale the place, our realtor had a buyer all set and we signed the offer for 165k! 200k less than what we originally paid. This will affect our credit about 50 pts. and maybe a little more for each late payment which for us will come to 3 months of LP.
We stopped paying our mortgage to be able to save money to move into a rental. We were told it would take 2-3 months before the bank would approve the short sale, which we were ok with. Now, flash forward 3 weeks. We found out we were approved and would have to complete the sale by September 6th. Currently we are in escrow with this buyer and last week received notice from the bank (BofA) that they are NOW approving our loan modification. What a joke! But we will consider it for the next few days as we have to decide whether to accept their Modification terms before Aug 2, really before July 30th so they can receive the Docs before Aug 2.
I have looked at places to rent closer to Jeff's work, but who knows how long he will remain there. It puts us in a bit of a pickle as far as leasing a house. People want a 12month lease and we aren't sure we want to stick it out that long in good ol' Cali.
Jeff has a job prospect in Utah, so currently we are holding out on word from that place before we have to make final decisions.
Part of me is sad to sell the house, but the opportunity for greater financial security really outweighs the benefits of this house for me. We will have to wait 2-3 years they say before we could get a FHA loan again.
There are certain impressions I have had, but part of me holds my breath when I think of those, because I wonder how much of those thoughts and feelings are just me vs. the Holy Ghost. But, at this point, I will trust those feelings and move forward. It can't hurt. I have overcome disappointment in the past and will continue to deal with an adjustment of expectations in my future. It is part of the experience of life.
So, I am sure my next post will provide you all the answers to the burning questions you have about the Bartmess Drama. I wouldn't mind knowing some answers myself!
Sunday, March 21, 2010
I am looking to the future.
I find the imagery of the sun so helpful in describing our life over these last months. I am glad to welcome Spring after Winter.
Many of you have asked when I might update my blog because you know my last post was to announce that we were to have a baby this month. Many of you also know the details on how that didn't happen. I don't know if this is the place to go into that, but I will explain briefly what has come of that. Monday, Oct 12, 2009 we went in for our 20 week ultrasound to find our baby no longer had a heartbeat. As we have been through this before, sadly, we went about our day as planned and the next morning checked into the hospital to induce labor and delivery of our baby boy, Evan Riley Bartmess born Oct 14th.
Riley seems to have passed away around 17 weeks of age. Since this is the second time something of this kind has happened to us at the same stage in pregnancy and both times to our boys, we have done numerous tests to determine a cause, if any. Our Chromosomes are both normal. My blood work came back all normal. We have been left with no scientific answer to this experience.
The last 5 months have been a very interesting experience in understanding the mourning process and that it is different EVERY time. I have my rock of a husband who holds on in Faith and wonderful friends and family who have been my sounding board and never once made me feel like I should be "over" this. It has been a bit challenging to have close family and friends be pregnant and due around the same time I was to be. Sometimes I needed my space and they gave it to me and sometimes I just took my space to be distant from them. Thank you for your patience with me and being true friends, allowing for me to feel what ever I might have felt.
Riley's due date, March 6th has come and past. As also has March 17th, the date of our Spencer Mark's birth. I am in a better place now and we are considering putting ourselves onto the roller coaster of pregnancy again, God-willing.
Jeff continues to work for Target. He puts in long hours and makes the best of something that he feels isn't best-suited for him. We continue to look for work elsewhere that might allow us to live closer to family and not have to work Sundays. Today I heard the story of the people of Alma who were in bondage. (Mosiah 24) How the Lord didn't deliver them from their bondage, but made their burdens to be light. I feel the Lord has done that for us, and I look forward to the time of deliverance.
Our Girls are growing strong and happy. Eliza and I are learning so much doing home school together. Norah is so independent and content and curious. Zoe is true to her name and likes to be the life of the party and the loudest in our home.
I keep busy with my calling in the Stake RS, (which I enjoy soooo much) with home school and all the other trillion jobs a SAHM has. I am content in this present moment.
Sure there are many things that try to throw me off my groove. Like someone breaking into our car and stealing the DVD player Screen. Or, hit and runs in the parking lots, or lost mail and house keys and broken deadbolts, or a late night call to the plumber when water starts coming up my sinks and tubs. All the things that cost a bit more dinero. I throw a quick pity party for 5 minutes, then take some deep breaths and the let it go and get to work.
I appreciate certain friends who have stepped up in my life and been my mother/sister/grandma and some all three at once, when I am so far from my family.
So I say I love the imagery of the sun, because 1) The sun is always shinning somewhere on the earth---There are good things happening all the time 2) I know that when the sun goes down, that it will rise again---hold on, the light will come. 3) It provides enough Vitamin D for me to not fall into depression. ;-)
Good times are only a sunrise away.