May 16, 2020
Shattered
Again. Shattered Again. This is what strikes my heart again. Of course, in the big scheme of things I realize, this is tiny. This isn’t losing a family member or going bankrupt. Logically, my brain tells me that this isn’t really a bad thing and there is likely a reason behind it, but still…
I can’t ignore the emotions that were tearing me apart when Louis said he got the email.
We never, NEVER, would have showed our children the new house (they’ve been calling it that) unless we were told it would happen.
We were told, based on incomes and expenses that it would happen. Our debt-to-income ratio (we know all that, studied before going to attempt for the loan. We had the credit scores above the requirement on the website, we’d done all our own figuring, we make three times what we would need for the maximum monthly payment!) We were told everything was good – we even asked over and over, is this really going to happen?
Well… of course, we lost income, BUT IT IS TEMPORARY!! Gym can open back MONDAY – two days from now! Are they only looking at one of my two incomes? Are they not looking at Louis’ income at all? I’m still working at the office! Louis is still working at uber.
WHERE IN THE EARTH did some loan person decide that she would NEVER once talk to me but CANCEL our documents because “they have zero income” when she didn’t even check? That’s a lie! That’s a stinking, irritating, hurtful, dream-shattering lie! We have lost income over the stupid COVID19 government shutdown garbage, who hasn’t? But to say that is permanent? It’s a bump in the road! A mortgage is 30 years!! Do you expect our income to never change in 30 years??????
We’ve not deferred ANYTHING… we’ve chosen to keep the down payment (yes, in the bank, safe and untouched!) and pay minimums on credit cards that we had to use for groceries, yes. Gym was forced to shutdown temporarily – between Monday and June 1st, I go back to work as soon as they open.
NOTHING has been late; not FPL, not our rent, not our van or car payment (we pay off the giant van payment in 4 months!)
Why is this hurting us? I thought this was responsibility? To keep the down payment, to choose to pay bills on time instead of ask for deferment, to pick up odd jobs to keep our income up while this stupid government decides to ruin our jobs and now – yes, shatter our dreams AGAIN!
Christina and Kimberly lost summer encampment, Christina, Becky, and Kimberly lost Passion Camp (this was the only summer they could all go together), the VBS they were looking forward to is canceled, they miss out on their gymnastics show, the girls are despising this whole zoom meeting garbage where they can’t talk and meet in person…
Becky said, “they can’t take our house, can they?”
It seems, one mortgage person can LIE and say we have no income while NEVER ONCE contacting or trying to contact me, Louis, or either of my bosses regarding our actual status of employment – and yes, deny us our house.
So while I understand that if someone takes the last 4 weeks of my paystubs and averages them over the course of a year, they will think we can’t make our payments; right now we are only missing about $200 a month (with the expected higher mortgage rate and this doesn’t count Louis’ income) – and we loose a $650 a month liability (paid off vehicle) in 4 months (so then just my income alone will cover our bills with more than $400 surplus!).
What really hurts is the LIES. I had to get this information from one lady we called because Louis got an email saying we no longer qualify and so have to pay a cancellation fee… ?????? Why can’t we at least get a courtesy call? No one ever asked? Not even a text. That’s seriously taking social distancing too extreme.
I hate that I took my children to see this place. I hate that I’m so gullible. I hate that I shared my dreams with others and now feel embarrassed that we even tried.
I am determined to at least speak to this person before I agree to pay for a lie.
I pray that God sets this up the way He wants it. I pray my emotions level (which, yes, after writing they always do) so I can speak calmly and rationally. I pray to see the good through this curtain of hurt. I so wanted to have those friends as neighbors, I really wanted to have Treaty Park as my backyard, but whatever; I should have known we will never make it to a real house.
Emotions are sometimes things we hide. I do. I try very hard not to let anyone see anything that isn’t positive. I try to be the mood lifter, not one who complains or cries or feels darkness. But I do. I feel darkness right now – like all my life I’ve dreamed of having a house where I could raise my children and grow trees that would shade my grandchildren – I know, silly. I saw a plan online that almost mirrored the house I’ve been building in my sketchbook all my life and even though we had to give up the place that was my first dream, I thought that if this all went through, it was a second shot at my dream. Next year would be too late: Christina wouldn’t be in that house. This faint hope rose to believe we’d have one season before Christina went to college. A place my teenagers wanted to be in.
These are raw emotions. We all have them. We all scream at the irrationality, lies, deception, cheating, or hurtful things that shove us or our loved ones into positions they don’t want to be in, shatter their dreams, or whatever.
We have to do what works to calm ourselves down and realize that God is in control; yes, even when someones lies and it shatters our dreams, it is just an opportunity for God to show us something better…
Anyway, I write to sort through my emotions; what do you do?
Thank you for reading.
Type at you later,
~Nancy Tart
