Tuesday, January 05, 2010

home is where the heart is, er, unless your heart is about to be foreclosed on.

as most of you have heard me do...over and over again...i like complaining about my current residence. well, i mean, i dont think it really has anything to do with where i actually live, its just where i moved from that makes me whiny.

four years ago, after renting our lovely apartment at on the green for a couple years, ryan and i decided it would be good to invest in a home for ourselves. we really liked the ne tacoma area but looked all over the place. our price range wasn't the best [he was a retail manager and i a miserable kinko's worker] and the places our agent found us were big piles of crap! until one day i decided i was done with house hunting. the stress of looking at one garbage hole after another day after day was wearing on me and i wanted a break. i was so confident about how i would tell ryan when i got home that night and rehearsed my speech over and over all throughout the day. and then my phone rang...it was ryan. he'd "found the house!" yeah sure whatever i thought. i was done and i told him! there's no way i was looking at that place. but he convinced me and promised it would be the last one for a while.

it WAS the one!

and i instantly fell in love with that little sea green house!

the realtor was a nice women [who is now our agent!] who, with her husband, remodeled THE ENTIRE HOUSE for their daughter, who then got a job way up north and decided she didnt want to live there! everything was brand new. the paint. the cabinets. the doors. the tile. the kitchen sink. the shrubs outside. the EVERYTHING! and we quickly made our offer. i must say we tried doing a lot of research. i didnt want to get taken advantage of. ryans family helped a lot because they all own real estate and i worked with a friend who used to be a loan processor that i asked way too many questions to. but in the end, we ended up with an ARM mortgage. they sold us by telling us, oh you can just refinance in three years. easy-peasy. everything will be okay.

enter: the financial crisis.

also enter: baby corbin, who i refuse to put into daycare no. matter. what. and was willing to have my credit go down the toilet bowl drain if it had to.

in the beginning we thought we could just modify our loan [because honestly thats what our government and the media really make it sound like its so easy to do and they are totally there to help people like us riiiiiiight? you know the type whose mortgage goes up over $100 every six months. us!] no. trying to modify our loan has been the longest process of my life! since july we've been trying and everytime its something new that we forgot to send or we're just flat out denied. and with the likelihood of them actually modifying our loan to something that we can afford being ohhh, i'd say SLIM TO NONE we decided to try and short sale our house in the meantime. and while i know a short sale sucks, it doesnt suck as much on our credit as a foreclosure and i feel like if we dont try everything i will look back and regret it. so the point to all of this is that this journey has made me shed a ton of tears. i was in love with our home and its sad to know that its just sitting there empty and cold with a big, ugly FOR SALE sign in the front yard.

see? that was a lot of complaning! but i also want to tell everyone about where i live now! on the beautiful green river! right next to a ton of ryan's family! and while the house needed a small army to get back in tip-top shape, this is now our home. the home we brought corbin home to. and where we sleep and laugh and make our memories.

this is a picture from our front yard. i open the curtains in the living room first thing every morning. blue jays and hummingbirds and eagles fly all over those trees.

and the green river is right in my back yard! and while i dont have this amazing view like his parents, hopefully this summer we'll bust the backhoe out and clean some brush so we can have a view like this! and then i will like doing dishes more because the river is right out the kitchen window! and while i can see a tiny bit of it now, its not enough to make me like doing dishes!

so that is it. im happy to be where i am. my mom mentioned to me how neat it is to actually see the seasons change by just driving out our road. and how the leaves change color and the crops at the farms grow and are harvested. and i cant even begin to tell you how excited i am for this spring/summer when i can go buy organic fruit and veggie goodness from all these local farming neighbors of mine! and while we wont live in this exact house forever, we will stay down here and i love knowing that corbin will grow up on the same road as his dad and go to the same schools. maybe even have some of the same teachers! he will be able to ride his bike up and down our long and quiet gravel road and spend his summers playing by the river. and whatever the outcome with our old house, i will find peace with it. that was one chapter of our life and we've moved onto an even better one while learning a whole lot of what not to do.

ps. our house IS for sale btw. just in case you're lookin to buy. its a super fantastic and amazing deal. click here to see the listing. [i love how the title of it is "so cute" and those ugly black appliances are just free ones we threw in there. cuz remember how i told you everything was brand new? well we let our appliances follow us to this house!]

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