I had a talk with our realtor on Thursday. He had the contact info for the person at the Mortgage Insurance company that was holing up the short sale. The realtor said he had talked with him & that they had gotten into a heated discussion & the insurance guy was unwilling to budge on the two options:
1) Sign a promissory note for $18,0000
OR
2) Bring $5,000 cash to closing.
I said that I wanted to call the insurance guy & talk with him. Our conversation went alright, he did ask me how much money we had. I laughed & told him we had no money, but two kids! I then asked him if Charlie could call him & talk. Charlie at least got the guy to come down to a $9,000 note (from the $18K). So all night I tossed & turned worrying about it. On Friday, first thing, I called the insurance guy back to ask some other questions. He seemed a little aggravated that this was still going on. And then in an instant, he said "Your husband wanted to sign a note for the $5,000, so I'm giving you guys that." It's the $5,000 they wanted in cash, but we get to pay it off in a note!! When the insurance guy finally agreed with us, I had to think of a saying my father was fond of: The squeaky wheel gets the grease. I really think that by my realtor calling him, Charlie calling him & then me, he just got aggravated with the whole thing. And then the guy hung up on me!! But I really couldn't care!! We can deal with $5K. And this way we won't have to file bankruptcy! See, they were threatening us that if we didn't take these two options, they would foreclose on us & file a judgment against us for a larger amount. Oh, this has been a nightmare. But wait, there's more!! We are also running about a month behind on my car payment. We received a letter in the mail from them, saying "We are sorry for the disasters that have effected your area & are willing to help out". So I called & talked with a sweet girl named Lori & she postponed our September payment!!! Okay, yes there is one more-you know these come in threes!! Charlie got a phone call & he has a job interview on Tuesday for a District Manager position. The job is for either Mobile, AL or Biloxi, MS. Obviously, we would take Mobile, but we lived in Biloxi for awhile, and I know everybody thinks of Katrina, but Biloxi is a beautiful place. I really felt at home in Biloxi when we lived there. I've never really felt at home in Tallahassee. So he now has two good leads on jobs. The Lord is so good. I just read awhile back the phrase: "Let God surprise you". Well, he's certainly doing that!!
I thank all of you for your kind words & support while we are going through this mess. I hated to post about it, but it was affecting everything & without talking about it, I didn't have much else to say. But I've started doing a few others things, trying to move forward & I hope to have more creative post in the future.
I said that I wanted to call the insurance guy & talk with him. Our conversation went alright, he did ask me how much money we had. I laughed & told him we had no money, but two kids! I then asked him if Charlie could call him & talk. Charlie at least got the guy to come down to a $9,000 note (from the $18K). So all night I tossed & turned worrying about it. On Friday, first thing, I called the insurance guy back to ask some other questions. He seemed a little aggravated that this was still going on. And then in an instant, he said "Your husband wanted to sign a note for the $5,000, so I'm giving you guys that." It's the $5,000 they wanted in cash, but we get to pay it off in a note!! When the insurance guy finally agreed with us, I had to think of a saying my father was fond of: The squeaky wheel gets the grease. I really think that by my realtor calling him, Charlie calling him & then me, he just got aggravated with the whole thing. And then the guy hung up on me!! But I really couldn't care!! We can deal with $5K. And this way we won't have to file bankruptcy! See, they were threatening us that if we didn't take these two options, they would foreclose on us & file a judgment against us for a larger amount. Oh, this has been a nightmare. But wait, there's more!! We are also running about a month behind on my car payment. We received a letter in the mail from them, saying "We are sorry for the disasters that have effected your area & are willing to help out". So I called & talked with a sweet girl named Lori & she postponed our September payment!!! Okay, yes there is one more-you know these come in threes!! Charlie got a phone call & he has a job interview on Tuesday for a District Manager position. The job is for either Mobile, AL or Biloxi, MS. Obviously, we would take Mobile, but we lived in Biloxi for awhile, and I know everybody thinks of Katrina, but Biloxi is a beautiful place. I really felt at home in Biloxi when we lived there. I've never really felt at home in Tallahassee. So he now has two good leads on jobs. The Lord is so good. I just read awhile back the phrase: "Let God surprise you". Well, he's certainly doing that!!
I thank all of you for your kind words & support while we are going through this mess. I hated to post about it, but it was affecting everything & without talking about it, I didn't have much else to say. But I've started doing a few others things, trying to move forward & I hope to have more creative post in the future.
I have been working on stripping an antique vanity that I featured in an earlier post. I have a friend who is planning on having a antique/craft show at her house in November & I would like to have this piece finished by then. I was originally going to paint it black & use a black & white toile, but I've had a different idea. I'm thinking about a "vintage travel theme" & I would like some feedback on this. Please be honest. I'm thinking about painting the vanity either a soft blue or green (think of an old map: see above pic) & then use pages from a vintage atlas to line the drawers. Not sure what kind of handle, made just crystal. Then find a nice lamp & decoupage a shade using vintage travel posters. I also have some vintage suitcases that I could sell. I love getting into themes & I can see this one going for awhile.
What are the new decorating trends? Do you think this one would sell or are there other one's out there now that are more popular? I haven't been to an antique sell or craft show in so long, and I know that the "Shabby Chic" style has faded somewhat. I would love any suggestions that you might have. I hoping to have the vanity finished stripping & sanded today & hopefully will start to prime it. But I must confess, I'm really excited about my "Travel" theme!
What are the new decorating trends? Do you think this one would sell or are there other one's out there now that are more popular? I haven't been to an antique sell or craft show in so long, and I know that the "Shabby Chic" style has faded somewhat. I would love any suggestions that you might have. I hoping to have the vanity finished stripping & sanded today & hopefully will start to prime it. But I must confess, I'm really excited about my "Travel" theme!
Image from Pottery Barn
2 comments:
Thank God things are coming together for you!
Wow, at least now your situation is beginning to sound hopeful! Let us know what happens next week! Hope the costumns are coming together okay!
*Heidi*
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