House Update!

So it *only* took 173 days from the day we put an offer in on the house to hear the short sale is approved! LOL.  I really never ever expected a "short sale" to take this long.  I know they said it could take a while, but everyone expected four to five months for us to be fully moved in.  It will be seven months probably from day of offer (May 31st) to the day we're hoping to close (Dec. 31st).  Whew.

But now a different nerve wracking wait begins - the mortgage approval.  Yes, we were pre-approved eight months ago.  And it was after our hard work of getting our credit rate in better shape to be able to even qualify.  And yes, we've continued to make smart choices in these past eight months to keep our credit looking good - and maybe even raise up.  But there is still that fear and the reasoning is a little hard to explain - but let me try.

July 2013 we noticed Jeff's check was larger.  Turns out his law school student loan was paid off; after 20 years...TWENTY YEARS people!  I had him double triple check with his HR department because I joked when we got married that we'd be paying it off until we retire.  HR checked and said "Yep, you've fulfilled what they said you owe."  Woohoo!  Then about three months ago Jeff got a letter from the Dept of Education saying he owed money on it.  The letter looked suspicious so we thought perhaps it was a scam trying to steal his info (because it did ask for SSN and the like) but after a call to government nope - it's real.  So we did the initial appeal, because how can he still owe money if the wage garnishment that we'd been paying for years said we paid it off?  They claim it happens all the time; and quite frankly we still don't understand where the mix up is.  But after a month or so, the appeal was denied.  (When does the government actually work *fast*? When you don't want them to.)  The next step would be to bring it to court for further appeal and what are the chances of winning that?  And what would that cost be upfront compared to just paying off what they say we still owe over time?  So we think we'll just swallow this shit.  But because we were not paying for over a year does it show up in a credit report as delinquent?  No one seems to be able to answer that question.  And how unfair would that be?! That we would have kept paying if we were not told it was paid.  Because no one seems to be able to answer that.  We're hoping that the answer is no, because if it was yes - wouldn't they be able to tell us that?  But instead we have to just sit and hope this doesn't screw us out of our home.    It KILLS me that no one can answer that simple question of if it will show up suddenly on our credit report (as it hasn't yet).

But let's get back to the happy news of at least this wait will be short.  Awaiting mortgage approval will not drag out like the short sale approval.  But now let's address the other fear.  The fear that comes from being IF turned Child Free living.  You get so used to getting your hopes up for the last several years for them all the fall apart in terms of having a child that you think that will happen to other things in your life.  This time last year I learned that I was pregnant.  Only for five weeks later for my world to come crashing down.  So I guess I'm waiting for that shoe to drop because I can't possibly get something in life I want, right?  There is some bad karma from a past life fucking with me, right?  But then I tell myself that's a dumb way to think  - one doesn't have anything to do with the other.  And hell, I hit the jackpot in finding an awesome husband and I never worry about that.  So I'm trying to do some positive thinking.  But once again, I am asking the universe for a little good juju.  Please?  I'm so ready to start this new chapter in our lives.