WE HAVE NEWS! .
If you have been following our family for a while, you know that we hit the road in early 2018 to find our forever home and have an adventure along the way. It was the best decision we have ever made for our family, our healing, our sense of adventure, and our future. Though we plan to continue our love affair with travel, including extended trips, we are ready to plant roots. Last summer, we made a list of wants and needs for a state, hometown, and house. The hunt was officially on. .
Because of the way that underwriting laws work for mortgage loans, being self-employed for one year posed an issue. Two years of self-employment are required for a conventional loan. We thought we would have to wait until 2021 to settle down. We were told this by countless lenders and, truth be told, we were pretty bummed. We love traveling so much and are grieving the end of that but we need a home, some roots, a community and things we just can’t access on the road (stuff like special needs services). Ever the family to rally and choose joy, we planned a really fun route for 2020 and agreed to make the best of this season of waiting. .
Last week, we learned that although a conventional loan wouldn’t be possible until 2021, there are more loan options out there. It’s complicated, but we were glad to have some options. Glad is an understatement. We were THRILLED! We spent six hours on the phone with lenders on Monday. Countless calls, so much research, and a few applications later...we had to wait again. Waiting is hard sometimes, isn’t it? .
Today, we got the call. A miracle has happened. We have been approved for a CONVENTIONAL LOAN! The very thing we were told for months that wouldn’t be possible. This is a huge deal! HUGE. You can read the details that lead up to this in our highlights called Relocating. .
But wait, there’s more! Be back soon for the biiiiiggy. .
We can’t thank you all enough for the kindness and support these past few days of our sharing about this process. It’s so vulnerable to share these details, but we want to be candid about as much as we are comfortable with and we hope that the info in our highlights helps others. 🖤