Monday, August 20, 2018
So I get up early Thursday morning, I'm not sure what time the movers are showing up so I call them at 6:30 to find out. I hear from a guy named Scott, who informs me that my "box" hasn't shown up in Wichita YET but might still show up because he had 4 workers ready to start loading my belongings. We decide to keep each other in the loop if one of us should hear from the driver.
I then call Community Bank and leave a message for Nolan asking him to call me back to talk about the loan I was approved for yesterday. He returned my call less than an hour later. What soon followed was what I can only explain as "Verbal Diarrhea". The call went like this.
"Hey Nolan. So I wanted to let you know everything about the loan I needed yesterday. You see, I DO need the money, but it's not for a "BIG CAR"..." I tell him about the mortgage company calling me and telling me to go and get this loan. I tell him about the 401K check that will be arriving any day. I apologize for lying to him, but letting him know that I was really stressed out and didn't want a break down in his office. This went on for about 15 minutes. When I was done, I waited to hear what his response will be.
He laughed and then paused. He informs me that he appreciated my honesty and that it really didn't matter WHAT I was using the loan money for. BOY, was I relieved! He then tells me the paperwork will be done by lunch and he can wire the money to the title company then. I thank him several times and lets me know he will call when it's all done.
I am thinking problem solved! So I start finishing the remaining boxes so that everything will be ready when the movers show up. Then I get a text around 8:30 that morning from Bryan at Movement Mortgage. It says, "Carrie, I just got an email from Processing the loan program does not allow for borrowed funds (a loan) even with secured assets. So you need not go get the car loans today. Sorry I didn't know this yesterday, I was just thinking outside the box." EXCUSE ME?!
Now I must call Nolan back and tell him that I don't need the loan after all. I am starting to lose my mind! I call Bryan and ask him what he wants me to do. He then decides to have them send the wire and if the title company doesn't accept it, they will deny the wire. So I call Nolan and tell him this. I get the sense he is feeling how CRAZY this whole process is. So he tells me he will call me when the paper work is all finished to make sure I want him to wire the money.
Around lunch time, I call Scott about the movers. Still no sign of the driver or the box. Scott tells me that even if it shows up now, it will need to wait until tomorrow and hopefully he will have enough men to do the job. AWESOME!!! (Note the sarcasm)
I continue to pack some random boxes just to feel like something is going well. The kids and I go and check the mail for a break. Guess what I find? The 401K check!!!! I call my agent and tell her it came. She instructs me to go deposit it right away so that it might clear tonight and I can wire the money first thing tomorrow morning. I then call Nolan and tell him I got the 401K check and he celebrates with me. He then tells me he is shredding the paperwork on the car loan. Unbelievable!!! I wasted so much of this guy's time and he just throws it away to help me. On top of that, I didn't have the actual titles to those two vehicles. So Nolan sent the paper work in and had them mailed to our Spokane address.
We quickly drive to the bank and deposit the check. The teller tells me that I will have access to the funds tomorrow morning. I smile and say I will be back when they open to send a wire.
Now...what to do with the movers?
Sunday, August 19, 2018
So as I said yesterday, there was a stress peak that I will confess now.
Our closing date was to be the 27th for the YELLOW house. We had scheduled movers to come on the 26-27 to load up our belongings. On the 23rd, we received word that the check had been cut for our 401K loan. We were hoping to have it by the 25th, so we could deposit it and wire it to the title company.
I am in full on packing mode this whole week. When Wednesday comes, I am in ripped up shorts and very sweaty getting more boxes filled and ready to send the next day. After lunch I go and check the mail. No check. I get a text from my Spokane agent asking if it came. I told her no. She then calls me panicked. She informs me she will call the mortgage company to see if they have any ideas. I continue to pack. About 30 minutes later I get a call from Bryan at Movement Mortgage. He gives me specific instructions which I write down.
- Go to a close bank
- Ask for a Signature Loan or a Home Equity Loan
- The amount of the loan is $38,500
- I need this loan by tomorrow, so it can be wired to the title company by Friday
I start to panic, but I think I'm handling it all well. I grab my keys and head to the Community Bank down the street. I walk in, looking like a crazy lady, and say I need a loan. They direct me to Nolan. I go into his office, sit down and proceed to read off my little note sheet.
He tells me the Home Equity loan will take 5-10 days. I scratch that. He then asks me if we own our cars. I say yes and he asks me what kinds they are. My mind blanks. I pull out my insurance cards and hand them to him to read. He types some things into his computer. He tells me I can get an vehicle collateral loan on the Toyota and BMW for the amount needed and we can get it by tomorrow. I almost cry with relief, but keep it together.
I start filling out paper work and he asks me, "$38,500...is this for a car?" My mind is a mess and the only thing I get out of my mouth is "YES". WHAT???? I guess I thought if I started telling him this whole crazy story I would lose it in his office. A few minutes later, he asks me what kind of car am I getting. I kid you not, I stopped writing and all I could think to say was, "A BIG CAR." WHAT???? I couldn't even think of a type of car on the spot. He asks me where I am getting it from and I reply, "Augusta. That's that way, right?" And I point in a random direction. Thankfully, that's the last of the interrogation. As I finish the paperwork, he tells me the money will be ready by lunch tomorrow and we can wire it then. I barely walk out believing I was able to solve this problem. I text my agent to let her know the money will be there tomorrow.
I get in the car and start sobbing from the stress. By the time I get home, my conscious is heavy with guilt from lying. I decide to call back early the next morning and tell Nolan the whole story.
I wish I could say that was the end of that, but the next morning would prove to be more than today.
To Be Continued...
Saturday, August 18, 2018
If someone would have told me what all it takes to buy a house these days, I may have paused before jumping into the whole process. So let's reflect on the CRAZY that we had to go through just to get the house.
Once the offer was accepted, we had to get the mortgage approved. The closing date was set for July 27th. This turned out to be more impossible than it was to build our house in Wichita. Since Jake's dad was moving in with us, he wanted to gift us some money for the downpayment. Unfortunately, the bank wanted verification that we had income sufficient to cover the monthly payments and told us that he could only contribute 15% downpayment. We would have to come up with the remaining 5%, plus have 12 months of mortgage payments in liquid assets. Jake's 401K would allow us to take a loan out from it to cover the 5%, but this would have several people involved making several hiccups along the way. First we had our broker in Wichita that would set apart the funds to be liquidated into the loan amount. Then the 401K company had to receive these orders to make the loan and repayment plan. I'd like to add that we got this plan about 2 weeks before they sent us the actual money. We soon discovered that this company was actually a middle man for another company that was handling this loan and that we couldn't directly communicate with their reps. We would utilize Jake's office clerk, Abbi almost 2 weekly for updates on this loan.
This loan was just one aspect of the crazy. The mortgage people would be contacting me almost daily via email or phone call about some papers they would need. I had to send them copies of the canceled checks from the last 2 years to show we paid our taxes. They needed an offer letter from Jake's future job to show verification of employment. This alone was a task, since the new group didn't actually send him a letter. A huge hiccup with all of this paperwork was the process of sending it to them. Since I was out of state, they requested I send them this information via email. Well, we don't own a scanner, so I resorted to taking pics with my phone and sending them. On several occasions my photos didn't work. So eventually I was visiting Jake's office and asking Abbi to scan papers and send them for me via pdf. (FYI-there is an amazing app that I didn't get until the last 2 weeks of this process that will take pics with my phone and convert to a pdf.)
This was all to get the mortgage for this new house. I wish I could say this was the most stressful part. But tomorrow I will share the peak of the stress.
Friday, August 17, 2018
As long as I can remember, I've been drawn to yellow houses. When Jake and I were first married and living in an apartment in KC, we would drive by this cute little yellow house that was for sale in a neighborhood near us. I LOVED IT! But life took us to Wichita, so we did the next best thing and built our dream house. However, it wasn't yellow. It was perfect for us as a growing family. There wasn't a thing I would have changed.
Fast forward to May 2018, we are planning a move to Spokane and looking on line for houses we would like to walk through on our house hunting trip as a family in June. I fell for this yellow house the first time it's pic popped up on my screen. I showed it to Jake and the kids. They liked it too. I showed it to my father-in-law and friends. They approved and thought it was perfect. But just so we didn't put all our hope into one house, we made a list of about 7 houses we wanted to walk through with our real estate agent on June 11th.
As a family we flew to Spokane and checked the city out over the weekend. Which included a fun rafting trip.
On Monday, we were eager to start walking through the houses. One of the 7 was pending by the time we got to Spokane, so we made a plan to check out the remaining 6. Our agent knew we had a favorite, so we started with that one. It didn't disappoint us. As we walked through each room, we could visualize ourselves living there. Even with the furnishings of the current owner. We loved it! And it was YELLOW!!!!
We spent the next few hours going through the remaining houses, finding a second option that would have worked for us. But after Tuesday's second walk through of the yellow house and plan "B" house we all decided YELLOW was our next home. So we put in an offer and prayed it would work out.
After a counter and another counter back, we agreed to a price and a closing date. The date would prove to be the harder part of the agreement (more about that later). So we flew back to Wichita to get serious about packing and finishing out our last summer in Kansas strong.
Thursday, August 16, 2018
Now that we know where we are moving to, we must get our current home ready to sell. I had started this process several years ago, when we thought we might move to Nashville. But this was different. I knew who we wanted our agent to be, Amelia Sumeral. She actually lives around the corner from us. But as we were going through all of our stuff, we began to realize...WE HAVE A LOT OF STUFF!
Over the next 8 weeks, I would go through our belongings and get rid of the stuff we didn't want anymore. Then buy boxes. And more boxes. And more boxes. In fact, I was buying boxes up until the day before we left Wichita. But it was a job I actually enjoyed. Yeah, something may be wrong with me.
To add to our equation of factors, we have asked Jake's dad to move to Spokane WITH us. As in he would live in the house with us. So he too asked Amelia to help sell his house and began getting rid of just about everything except a bedroom set and some boxes.
We love our house. We built it 11 years ago. It was perfect for us. Unfortunately, that doesn't translate into perfect for someone else. It is currently still for sale. We've had several showings and a couple of open houses. But no takers. The 2 dogs that we have in our family have made it somewhat challenging with the dog smell that apparently we are used to. But now that all of our stuff is out of the house, I'm sure it will sell quickly. The right family will walk in and fall in love with it. Just like I did the first time I saw our Spokane house online. But I will share that tomorrow.
Wednesday, August 15, 2018
Sure enough, Spokane met and decided they needed to find a position in their group to offer Jake a job. So now we have 2 AMAZING places that Jake can be working for. The discussion with the kids has been completely open and honest about both groups and cities. I knew that with Owen moving away before freshman year of high school, it might be hard. Especially since he had been going to school with his friends since kindergarten. But he was very excited with the possibility of being an "in state" college student at his DREAM college.
Allie was planning to start 6th grade at AMS. She not only was worried her friends would forget her, she had taken the time to get to know several of the teachers and staff at AMS through the meetings I attended regularly. We already knew that middle school in Washington was only 7th and 8th grade, so Allie would be attending an elementary school next year. This thought didn't help sell the idea to her. So I took the interests angle. Before we were planning to move, Allie and I had already looked into getting scuba diving certified. We were even thinking this summer would be perfect, but plans were changing. I explained how easy this training would be in Washington. I also had her looking on line with me at possible homes for us to check out in June. She wasn't enthusiastic but at least on board.
The evening of May 10th, we came home from dinner and were about to play a quick game of basketball. We decided that a decision needed to be made so we can start the process of finding a home. So we let everyone get a vote. Allie went first. She made her shot and announced Spokane was her vote. Owen made his basket and stated Spokane for his vote. I went and announced Spokane for me. Jake smiled, sunk the ball and said, "Spokane it is!"
I'm not sure if that's how big decisions are normally made, but we AREN'T the normal family.
Now with a group and city selected, we start the process of selling our home and getting serious about what our next home will be.
Tuesday, August 14, 2018
We woke up Saturday morning like normal, but there was a little buzz of excitement with the thoughts of where God may be sending us. Jake and I went to morning yoga, then were planning to go and visit his parents. When we walked out of yoga, there was a missed call from Jake's dad. Right away, Jake and I looked at each other with the same thought. So we got into his car and called Tom back. The call was to let us know that Joan, Jake's mom, had passed away early that morning.
There is that moment when sadness over comes you. All I could do was cry. We sat there for about 5 minutes letting the loss sink in. Then we proceeded to drive home and let the kids know, Grandma was gone.
God has a way of timing events in our life that seem completely overwhelming and out-of-control, while at the same time peaceful and taken care of. Joan's passing was definitely one of those events. She wouldn't have been able to make the move to Washington. We were still in Wichita to help plan a memorial and set Tom up for the next chapter in his life. (There is foreshadowing statement.)
Over the next week, while waiting to hear from Spokane, we started going through our belongings and weeding out what we wouldn't move. A memorial service was planned in Salina for Joan for the day after school got out for summer. Life started to feel like one phase was coming to an end and another one was ramping up to begin.
Looking back, I'm so thankful for the relationship I had with my mother-in-law. I always made time for the kids to see her and tried to invite her to all of our functions. Before she passed, I spent a few hours just sitting by her bedside talking and listening to what ever topic came up. You know you have lived a good life, when those you leave remember and think of you often. I pray I live my life as a story worth telling and when someone thinks of me...they smile.