airing my dirty laundry.

people seem to want the nitty gritty down low.

so here ya go. airing my dirty laundry for your reading pleasure.

up until yesterday, we were trying to modify our home loan.

they denied us.

since the hubs hasn't had a real job since Jan. making our $2500 a month payment for our shack hasn't been possible.

we started trying to modify last fall knowing he was losing his job and our house payment was killing us already with a regular pay check.

and yet...they wouldn't talk to us because we weren't behind.

so we stopped paying so they would talk to us.

unfortunately they finally came around to start the process of working with us, after his job had ended, and then they wouldn't talk to us because he was self employed. and yet not making sufficient for our needs to fully cover our standard living expenses.

we had a lady doing our modification, but in the end, they said our debt to income ratio disqualified us. meaning our lack of sufficient income and our monstrous mortgage didn't add up.

no duh.

even though the only debt we have was the house loan.

wouldn't that be enough reason to modifiy? not to mention it's current market value is not even half of our original loan. AND our situation has drastically changed since we saddled ourselves with the debt. (read being laid off)

circular thinking is ultra lame.

since they denied us, we are suddenly fully in foreclosure and the house goes up for sale on the 13th. it may not even go to auction just a private sale.

SWEET!

sounds sort of underhanded and sneaky, where we suspect they are going to sell it back to themselves for a buck and claim the loss.

it's stellar.

I sorta wish the obama modification plan actually worked. In theory , we would totally benefit.

alas, it's a tricky deal and i've yet to hear of anyone having it actually work out.

LAME.

in the long run we'll be better off. (finding the bright side)

this house is older and sort of outdated and we've always been buried under a hefty payment so we couldn't fix anything up.

I'm not all that churchy but i'm pretty sure the lord has been preparing me to let go of my sentimental attachment to my childhood home, ya know with floods and plagues and swarms of bees. (literally, if i wasn't lazy i'd link up those posts)

It sort of feels good now though, we are finally moving forward again, instead of waiting with bated breath, stagnant, wondering if it would go through, or not? not fixing anything needing fixed. not decorating. not moving forward.

because why bother? if it was going to vanish just as soon as i finally finished painting my delicious fuchsia walls .

now i can move and bust out my Halloween delights as soon as i'm settled. or maybe first thing. ;) I've been wanting to bust it out for weeks, but why bother if i just have to put it away and pack up? i wasn't sure. so i couldn't bring myself to get it out.

Now that I've looked at what's out there in the rental market, it frankly sickens me that for what we paid in mortgage we could have had a HUGE GLORIOUS house for the same price.

sigh.

at least this way we'll get a fresh start. and maybe move to a rockin' neighborhood with lots of kids.

Don't worry, we aren't going far. well, not out of state or anything.

we could move as close as around the block (pass) or ya know super far, {meaning} across town but we'll still be in the state of denial. ahem, I mean AZ. and we'll always have FB to keep us close.

so with that,

onto the fun part-

today we looked at houses.

the hubsters sisters are both Realtors, one hooked me up with MLS listings and another one took us to see a few. flipping rad.

funny thing is the one i love is the one my friend sent me, conveniently around the block from her. SO FUN!

now to apply and hope we get approved for the one we really want....fingers crossed.

Now I'm super hoping the hubs gets the job he's been interviewing for because i could use some money right about now. i hate being poor.

yup. so that's the scoop. i'll admit i was a little overwhelmed but i'm feeling pretty excited at the change of scenery.

wish us luck and good vibes on getting the one we want, and the job.

we need all the good vibes we can get.

oh and super huge hugs for the friends that helped in the search.

i had a handful wishing i was moving out by them. (even out of state) and another handful sending me helpful links and offering help.

it makes a girl feel loved. and sorta popular. so thanks friends. it made my day a whole lot brighter.

I'll be sure to keep ya updated on the latest episode of Crazymama's life adventures !

© 2010 crazymamaof6