For those of you following my blog you know I post my "mini" miracles and my "major" miracles in this adoption journey and today's was MAJOR!
All along this road to bringing Alex home was the huge, looming question. "How are we going to pay for this?" As mentioned, about three months ago the answer (for a large chunk) was to refinance our house, rolling our first and 2nd together and getting cash out. I work as a real estate agent and deal with loans, underwriters and appraisers on a daily bases, so this should have been a piece of cake. But it wasn't. First I needed to find a rate to justify refinancing our 5.75% first mortgage as there's no way James was going to go for this unless we were lowering our overall payment so getting a killer rate was paramount!
Toward the end of November I locked in at rate that lowered our total house payment (with the cash out) by about $150 a month with my credit union. My fabulous loan officer (that I use for almost every deal and who I not only love because she is incredible at her job but also because I consider her one of my very good friends) couldn't find this rate and because one of her best traits is objective honesty she told me to "go for it" with my credit union.
After eight weeks stuck in underwriting, appraisal issues, switching to another lender and then employment verification issues, switching back to the original lender and still having appraisal issues, (which is bizarre because we have a very solid file!) I humbly called my fabulous loan officer/friend whom I will call Corbie Coy-cause that's her name-with Academy Mortgage and told her my plight. She worked her magic and not only beat my original rate (thus lowering my already lower payment-rates are even better now than the were end of November!) she got me a few thousand extra than anticipated towards our adoption. Within 10 days, we were through underwriting, signed, (Shout out to my fabulous title officer Jolyn Brown at Highland title who came in on Presidents Day to settle my loan!) loan done, funds in the bank!
So this is a blatant/UN-apologizing/thoroughly deserving plug:
If you are in need of working with the best loan officer and nicest person around, you should get Corbie's contact info from me! You will love her just as much as I do!
Now we're just waiting for our tax returns and we should have all our funds. (Sounds of angels singing should be inserted here!)
Had you asked me how I was going to come up with the money for this adventure the day I put Alex on the plane to go back to the orphanage, I would have have shrugged my shoulders and said "I have no idea!"
The Lord truly works in mysterious ways, and today, he worked through and angel on earth named Corbie!
All along this road to bringing Alex home was the huge, looming question. "How are we going to pay for this?" As mentioned, about three months ago the answer (for a large chunk) was to refinance our house, rolling our first and 2nd together and getting cash out. I work as a real estate agent and deal with loans, underwriters and appraisers on a daily bases, so this should have been a piece of cake. But it wasn't. First I needed to find a rate to justify refinancing our 5.75% first mortgage as there's no way James was going to go for this unless we were lowering our overall payment so getting a killer rate was paramount!
Toward the end of November I locked in at rate that lowered our total house payment (with the cash out) by about $150 a month with my credit union. My fabulous loan officer (that I use for almost every deal and who I not only love because she is incredible at her job but also because I consider her one of my very good friends) couldn't find this rate and because one of her best traits is objective honesty she told me to "go for it" with my credit union.
After eight weeks stuck in underwriting, appraisal issues, switching to another lender and then employment verification issues, switching back to the original lender and still having appraisal issues, (which is bizarre because we have a very solid file!) I humbly called my fabulous loan officer/friend whom I will call Corbie Coy-cause that's her name-with Academy Mortgage and told her my plight. She worked her magic and not only beat my original rate (thus lowering my already lower payment-rates are even better now than the were end of November!) she got me a few thousand extra than anticipated towards our adoption. Within 10 days, we were through underwriting, signed, (Shout out to my fabulous title officer Jolyn Brown at Highland title who came in on Presidents Day to settle my loan!) loan done, funds in the bank!
So this is a blatant/UN-apologizing/thoroughly deserving plug:
If you are in need of working with the best loan officer and nicest person around, you should get Corbie's contact info from me! You will love her just as much as I do!
Now we're just waiting for our tax returns and we should have all our funds. (Sounds of angels singing should be inserted here!)
Had you asked me how I was going to come up with the money for this adventure the day I put Alex on the plane to go back to the orphanage, I would have have shrugged my shoulders and said "I have no idea!"
The Lord truly works in mysterious ways, and today, he worked through and angel on earth named Corbie!
2 of my blog friends said something...:
That's very exciting! Looks as though that will have to be what we do as well. I'll have to get Corbie's info from you and compare it to what we also currently have for interest rates and our usual lender.
You nut! Imagine my surprise when I found this! I hate to diminish your joy but in my world, this is just a minor miracle - no shameless advertising plugs required! Thanks though - very sweet! :)
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