09-25-2018, 12:08 AM
I’m on my first day off after cycle number four. I feel an incredible sense of relief this evening because we made it.
Things really seemed like they were trying to come off the rails last week, but each time I was able to detect the problem in time and solve it. Though it led to a number of real stressful moments. First, just before we had the house appraised, a large piece of facia right below the roof blew off. It wasn’t somewhere where I could get it nailed back on myself. The mortgage company was unwilling to go forward until it was fixed. I spent all day on the phone looking for a roofing contractor who could do a small repair on very short notice. It’s just short of miraculous that I found one right now. Colorado recently got hit by some really nasty hail storms, and all of the crews were booked out for months. But with some persistence I managed to find a good contractor who was willing to come out and do about an hours worth of work.
The next problem was paying for it. It wasn’t much as far as roofing jobs go, but it was more than I had at the time. Realistically it would have been the fifteenth of next month before I could scrape it together if then even. So I called my mortgage guy, and asked if they would be willing to go ahead with the refi if I could demonstrate that I was under contract to have it fixed. They weren’t, but he called back a minute later and asked if the contractor was willing to do the work if the company promised to pay directly out of my proceeds. They were and it was done.
Next issue, the contractor called back and told me that the material they needed was out of stock stare wide. He told me it would be at least two weeks before they could get any. The next day, he called back and said that one of the supply houses had found just enough to get my little job done. They hadn’t looked for that small amount because people usually buy in amounts to do entire houses. The next day it was fixed, and the appraiser confirmed.
At the same time this was going on, I was dealing with another financial issue. We had taken out a loan earlier in the year. And we had gotten the disability insurance option on it. Well, my wife had to take a short term disability due to a health condition. It took two months of dinking around between their insurance company, and her doctor to get things sorted out, and then the insurance company decided not to pay. This left us almost three months late on that loan, and they were going to take her car. I was able to quickly secure another loan and get us current to prevent that.
Finally, we closed on the refi this afternoon. Our financial, and tax problems are solved, and life is going to get a lot easier for the foreseeable future.
I am of course going to finish the three month run, and I will need to find another goal to focus on. At the moment though I feel so relieved that I don’t care. I just want to finish my shift and go to bed.
Things really seemed like they were trying to come off the rails last week, but each time I was able to detect the problem in time and solve it. Though it led to a number of real stressful moments. First, just before we had the house appraised, a large piece of facia right below the roof blew off. It wasn’t somewhere where I could get it nailed back on myself. The mortgage company was unwilling to go forward until it was fixed. I spent all day on the phone looking for a roofing contractor who could do a small repair on very short notice. It’s just short of miraculous that I found one right now. Colorado recently got hit by some really nasty hail storms, and all of the crews were booked out for months. But with some persistence I managed to find a good contractor who was willing to come out and do about an hours worth of work.
The next problem was paying for it. It wasn’t much as far as roofing jobs go, but it was more than I had at the time. Realistically it would have been the fifteenth of next month before I could scrape it together if then even. So I called my mortgage guy, and asked if they would be willing to go ahead with the refi if I could demonstrate that I was under contract to have it fixed. They weren’t, but he called back a minute later and asked if the contractor was willing to do the work if the company promised to pay directly out of my proceeds. They were and it was done.
Next issue, the contractor called back and told me that the material they needed was out of stock stare wide. He told me it would be at least two weeks before they could get any. The next day, he called back and said that one of the supply houses had found just enough to get my little job done. They hadn’t looked for that small amount because people usually buy in amounts to do entire houses. The next day it was fixed, and the appraiser confirmed.
At the same time this was going on, I was dealing with another financial issue. We had taken out a loan earlier in the year. And we had gotten the disability insurance option on it. Well, my wife had to take a short term disability due to a health condition. It took two months of dinking around between their insurance company, and her doctor to get things sorted out, and then the insurance company decided not to pay. This left us almost three months late on that loan, and they were going to take her car. I was able to quickly secure another loan and get us current to prevent that.
Finally, we closed on the refi this afternoon. Our financial, and tax problems are solved, and life is going to get a lot easier for the foreseeable future.
I am of course going to finish the three month run, and I will need to find another goal to focus on. At the moment though I feel so relieved that I don’t care. I just want to finish my shift and go to bed.
