WE MIGHT LOSE OUR HOUSE

We are like facing losing our house. It's a beautiful house. Like the builder's like, hmm, we don't want to wait. I don't like feeling like it could just be pulled out from under us, you know? Ugh. Good morning guys. We are headed to our pre-drywall walkthrough. We got to go through and make sure that the placement of the lights and all those things are exactly where we want them before they put drywall in because once they do that, it's a lot more work and cost to change things up. We also are kind of like in a weird space right now. This could all be for nothing. So we are running late. So we're going to go here and then we will, I know you're laughing, but it's not funny. We are like facing losing our house. So we will chat with you guys about that after because we're here, we're late, and we want to run real quick and do this. Oh my goodness. Look at this guys. When's the last time you up to? And we saw the windows a little bit from the outside. We haven't seen the inside with all the windows and doors on. Watch out. It's going to be muddy right there. Come over to the side where it's a little more rocky. Look at this guys. We got doors on. There he is everybody. Hello. I'll give you a fist bump. Really? By yourself? Yeah. How'd you pull that off? Look in here. We got a fireplace in here guys. We're moving some lights around. Heck yeah. Rick likes just working I think. He just says heck yeah about everything. I'm like, does he just enjoy this so much? I really do. I think he does. That's good. Got my Christmas light receptacle box right there. The guy said, he said, Merry Christmas. I'm like, yeah. Oh look, someone's been running a bath in here. So we have the plumbing. The plumbing is actually passed on Friday. Because that's why that water's in there to hold the water and make sure that the inspector comes in and make sure that the water is being held in all the pipes and the tubs. And it is. So we passed. Nice. Heck yeah. Plumbers are happy. I'm happy. Heck yeah. The manatee is here and the wires are looped here. So they'll bring it out. Send it over the manatee's room. Like I said, if you get a refrigerator up here, you don't ever have to come down. Exactly. And I'm like, maybe I'm gonna hang out and live up here. Yeah. This is like a house. It's an apartment, a big one. It is. Thanks Rick. We appreciate it. You very well. Good walkthrough. You done good, sir. Very good, thank you. It's a beautiful house. It's looking good in there, guys. So what do y'all think? Walkthrough went great. We moved a couple of things. They put some lights in some places. I was like, that's not really centered. Like things to be centered. We are meeting Becca and our Australian friend, Belinda at a restaurant for lunch. We're gonna grab a quick lunch and then go get Adeline from school. Busy day, but a fun day. It's been really cool having Belinda here. She came all the way from Sydney to just meet some people like we met through YouTube, like through our videos, but also because she signed up for Young Living. And we've just like become good friends ever since. And so she wanted to plan a trip to the United States, came here. We've been hanging out. She stayed with us last night and probably tonight and tomorrow night. She's heading home Wednesday. So we're just trying to like, you know, spend as much time with her and kind of get her as many experiences around the area as we can. You ready? Ev, can you hold this? Good girl. You got a lot of Mexican restaurants in Sydney? Johnny, look, I know we're open. You know. I can't tell if she's being serious or not. You do? They're banned in Australia. We have them like everywhere. Yeah, we don't have actually in a lot of restaurants. Let's go eat. Ev got her first margarita. Ho, ho, ho, ho. Is it yummy? So did G. Oh, kisses. There's a lot of boogers over there. Is it yummy? Try it. Oh yeah, she's feeling it, all right. That was so rude. Kids are so rude. You buy them nice things and then they're like, you can't have any of it. Oh, she's gonna share? Aw, that was sweet. So what about daddy? Thank you. How was it, everybody? Was it good? Yeah, nap time. Heck yeah. Yes, nap time. Okay, we got yummy lunch, put Everly down for a nap, but Linda is taking a nap at Becca's house and we are just sitting in the quiet, trying to figure out and sort through a predicament. Basically, this is kind of a little long story, so I will try to condense it as much as possible and simplify it. We were originally getting our loan for our home through the builder. They have like an in-house lender. And so we were working with her, but she just seemed to not give us a lot of detailed information. Like she couldn't really answer a lot of questions, right? It was kind of like vague answers. And we'd get responses like late at night. It was like 9.30 at night, we're getting emails from her asking to send things over. So we were finally like, what is going on? Fast forward just like a tiny bit, the builder asked our realtor to find us a new lender instead of their own lender because she is like completely overworked and just has like so much on her plate that she can't give the time and attention. So because we are both self-employed and then like John, I mean, mainly he's a videographer, but he's done videos for different things and different clients for the last, I don't know, eight years. It looks really like scrambled on paper and we really need someone to sit down with us and kind of go through, you know, everything. It's just like, it takes a little bit more work and she wasn't able to provide that. We've got another lender. I said, before we even like go forward, they asked us to fill out the application with their company. I said, before we even go forward that, like I'd just love to talk on the phone and like kind of get the air out on like where we are, where like we need to go, what needs to happen so that we're all on the same page so that we don't feel confused. Just to set expectations. I really like to be clear about things. So we talked to him on the phone first and he was like, no, yeah, it's great. Like this is what's happening. He's actually the person who explained to us what was going on with the other lender and how that kind of works. He said he's actually, he used to work for the builder. They switched hands. He does not anymore. And it's just been like a kind of a mess, honestly. He said that he's having to kind of follow up with and take on a lot of what they've not been able to handle. So he's like, it's fine. Like I've looked at everything, like this is good. We've got this. Cool. So we're like, all right, we feel way better about that. He's got a staff that he told us he's got like 15 people that work on his team. We fill out the loan application. We then, one of his people that works for him got in touch with us, told us what else we need to submit. Everything seemed great. We sent in like, we already had all of it together. So like that same day, we just kind of uploaded everything that we'd already gotten together. And then it was like, what, a week and a half, two weeks? Like it's been a while. Yeah. We're like not hearing anything back. We're like, what's going on? And then. We just kind of felt like. Everything's fine. Well, I said, I guess. Yeah, I guess if they're not asking us, like. No news is good news, essentially is what it seems like. But they just messaged us asking us for more and referencing us like our taxes, paying our taxes for 2019 in January. Which we can file them as soon as we get the stuff. But like, we're not really planning to do that. I mean, nobody really wants to pay their taxes early. Like if you don't have to, you know, you're kind of like, right. Nobody's like excited. I mean, maybe you are. Maybe you're really excited to pay your taxes, but we'd rather wait until closer to the deadline to like. When you're getting your refund, you're excited. Oh yeah. When you're getting refunded, you do that right away. When you're having to pay, you have to do it. When you have to pay taxes, you wait. So we weren't planning, like we're obviously planning to close on our house in January. So we weren't planning to like worry about filing our taxes and doing all of that at the same time. That's like a lot of the stress. I sent a message back just saying, hey, we weren't really planning to file in January. Like what, you know, what we'd love to sit down and talk. At this point we're like, well, where are we with this? Cause we thought everything's good, but now they're asking us for tax information for next year. And like, we just feel so confused. And so I sent an email just asking if we could chat. I talked, I reached out to our realtor and she's like, yeah, this like being out of the loop is going to stop. It's not okay. You should never feel like you're in the dark. She said, I'm going to talk to the builder. I'm going to talk to the lender. We're going to get this sorted out. And she ended up calling me and she said that she had talked to the builder and that she had talked to our head lender guy. Basically the builder has a list of like 40 some homes, right? Yeah. Where the contracts, they're waiting on something, whether they're waiting on tax returns for next year or there's, I don't know, any little hiccup at all. She said, they're canceling contracts. Like they're going through, canceling the contracts and putting those homes on the market. And so we... Our house was on that list. Our house was on that list, which we didn't know. Didn't even know. We didn't know. And like, we're sitting here like, okay, is there, we haven't heard from them. Like I'm like, John, like how many times did I ask you? Do you think I should call? Like, do you, is there anything else we can do? Like, what do we need to be doing? Did they need, you know, like whatever they needed. And this is before we got those emails. So we're like sitting here just waiting to hear back, waiting to hear anything. In the meantime, not even knowing that they're like looking at our contract and like, are they going to be able to buy this house? Like, are we going to have to cancel it? And like the frustrating thing is that it's all technicalities and red tape with like them going by our taxes from 2017 because they need two years. So 2017 to 18, and we made a lot less in 2017 than 18 and 19. So like, because our businesses are growing. So they're just like looking at old information, I guess, and basing it off of that. But then because to get the new information, it's like a different, you know, a later timeline. That's where like the builder's like, hmm, we don't want to wait. A huge part of it is just because they're looking at John as like him and his income for this and not considering mine because we're working on my credit score, but I've already done all the things I need to do to fix it. It's just that we have to wait for it to update. If I look at everything and what I've like learned and know about, I'm like, I'm pretty sure as soon as my credit score is updated, there's going to be no problem. We thought everything was fine. Now we're like sweating bullets. Like I'm so nervous. Yeah, like it's literally, we're like, is this our house? Like when we go there, we're like, we hope this is going to be our house. I don't know. That's what's going on. It's really frustrating. It's frustrating. It's stressful. I don't know. I don't like feeling like it could just be pulled out from under us, you know, especially based on something so, I don't know, it seems so trivial, but here we are. That's our house update. Pray for us. Pray for peace of mind. If nothing else, and for all the things, I know that God has a plan. Like it's never not been in his hands. It's just sometimes so hard to like find that peace and feel it. All right. We love you guys. We'll see you later. Hope you guys have a good week. Yes. Have a good week. See you soon. Hey, thanks so much for watching. If you want to make sure you don't miss any of our videos, click follow, follow again, and then tap see first to make sure you stay up to date on what's going on with our family.