PILA Month day 15

Day 15 - what you like about your house.

That it's MINE!

That's right!! We officially and for sure get to keep it. (knock on wood... *doing a please-keep-the-fire-hurricanes-earthquakes-etc-away dance*) We have signed everything on the dotted lines and completed our modification. Woohoo!

Thank you to everyone who sent out prayers, warm thoughts, and IRL/virtual hugs along the way! It totally helped!!

Beyond that obvious point, I really love my neighbors. I wish one hadn't moved away, ahem! It's not too late to move back... but aside from that we really do have a great neighborhood of people. I also like the set up and way it's layed out. It flows well for us.

Now if it just came with a housekeeper, it's smidge too big.

Amazing!

Have you ever had a day where one phone call changed your entire life? I have. A few.
And today was another. I left my phone in the car when I went to a friends for a play date and when I got back in I checked messages.

2 texts from Zack:
1. no need to pack
2. we get to keep the house.


I immediately called, because UM WHO SAYS THAT OVER TEXT?!
He said Wells Fargo called today and while nothing is signed yet and for sure... it looks like
we GOT THE MODIFICATION!

YES that is me screaming! I am so excited!!!
Its a payment that we can afford, not easily and it will be tight for a while, but who cares!
Apparently, they dropped the interest rate (from 6% to 2%) and extended it to 40 years and forgave a large chunk of the loan.

So thank you Wells Fargo.
I am very Thankful for the light at the end of the tunnel of this long long road we have been on.
I am very appreciative of all the love and moral support we have received from those around us. We could not have gone through the last 2 years without you all.

And as quickly as my life was turned upside down by a phone call, it was restored by one.
Full circle.