Change is obviously inevitable. I like change, probably a much as I like stability. I truly enjoy both, probably equally. The caveat is that I prefer to be the one making the decisions regarding each of them.
So it’s pretty obvious the gofundme is going nowhere. Oh well. It was a huge longshot anyways. I’m going to see if the people that contributed will ok for me to use the money for the lawyer I’m meeting with next week.
While I appreciate the state funded consultants that force mediations with the mortgage lender, I feel I need someone that can answer my questions better and will champion for me more.
Trying to get straight, helpful answers from my coordinator is sometimes difficult; to say the least. If you’ve ever had a not so great encounter with a civil worker, say like at the DMV or Social Security Administration or something, maybe you can relate. But basically the feeling I get from this person is that they are just doing their job, pushing around paperwork and I’m just one more nuisance and “next please”.
All the same I am glad they have helped me so far. As without their help I am positive I would not have gotten a loan modification at all.
But in the 5 minutes I talked to the lawyer last week I felt more secure in my decisions going forward and more hopeful than I have in months.
He told me I was 100% going in the right direction and not to worry.*
So basically….in a nutshell.
I am renting out the main house, shuttering my colon business and putting the equipment in temporary storage until I figure out what my next move is, and while I wait out the Coronavirus a bit more.**
So now, the kids and I will move into the business and I will save money and redirect my focus to my eBay business. Granted I don’t particularly enjoy that business but it’s fairly easy and I’m good at it. I’ve always had ease with software and computers and you do something for over a decade and you definitely know the ins and outs of it.
I have a few people slated to come see the house this week. Which means I need to spend the next few days cleaning and organizing it. 😒
Once I get a lease contract I then resubmit all my loan modification paperwork and I should get it no problem and considering interest rates have gone down I may even get better terms. That’s what I need a lawyer for.
The business space is very comfortable, I’m not sure how much so for all 4 of us and the pets but it’s not permanent and it definitely beats being homeless and losing my house.
The worst part will probably be having to do our laundry at a laundromat. That will be a bit hard for me being the germophobe I am, but I’ll make due the best I can.
I just have to make sure the tenants I get are stable.
I had tried to put an ad for senior housing. Offer up each of the bedrooms in the house to a senior or person needing some minimal assistance. I offered all utilities, twice a month cleaning, with the possibility of food shopping, laundry and cooking available.
It seemed like a win/win to me. For one I like seniors a lot and I can keep access to the house and even still use the laundry machine. Plus I can easily keep an eye on them and help someone out in the world that needs a bit of help. Which I see as a good thing. My daughter said “you want more kids?” and I said “Well, yes, I guess so. You know how much I like taking care of people.”. We all laughed.
But the cost was a bit high and maybe the market isn’t there for that. I am not a senior care facility. They are heavily regulated. This is just me being helpful to someone who needs help, minimal help. I mean I’d literally only be downstairs. But 🤷🏽♀️. That doesn’t seem to be panning out.
Which I guess is just as well. That’s 3 renters to manage instead of one.
Well. I’m feeling really hopeful and so much better. But I have A LOT of work ahead of me to get the house actually ready for renters. Painting, deep cleaning, fixing a few things. 😓
But keeping my house and keeping my kids safe and hopefully happy was my main goal and now I get to accomplish that.
I have loyal customers and if and when I can get resettled, say in a doctor’s office, they will follow me, I’m pretty sure.
And whatever happens at least I will have the heavy load of financial stress off of me for a bit and that is such a huge relief. Phew!
This is absolutely not how I saw things going, but……I’m not upset at all. I’m actually very, truly grateful that things have worked out to where I have this option.
And here we go…….
Change is gonna happen.
*I was concerned about putting my house up for rent with the modification pending. It didn’t seem like the right thing to do. But the lawyer told me I have at least 6 months to foreclosure plus once I get a tenant in they get even more time. As they have more rights. And that’s the absolute worse case scenario, with proof of a tenant I should secure the modification with no problem at all now. Since I’ll have proof of income again. And in the lender’s eyes probably even more stable than when they approved me before.
I mean the whole reason I had to turn it down in the first place was the Pandemic. I had the two businesses and a part time job when I got approved. I felt I was on the right track and while I would need to work long and hard to make the mortgage payment (which they made higher) I was confident that it could be done.
And then I lost my part time job and I had to close my colon business and I have had almost no clients in 3 months. Even since being able to reopen and so I don’t have the income anymore. And I was so afraid if I took the new loan modification I would be back in arrears soon. So I panicked and turned down the terms.
But I have regrouped, found another solution and now I feel confident this will work.
**I truly feel I keep getting impacted by the virus. I am not developing strong enough antibodies. I even think I’ll go back to wearing a mask in public. Even though I hate wearing it and after 30 minutes feel a bit lightheaded and dizzy from it. I will just have to make sure I’m not out in public for long stretches of time.
And I am glad I also won’t have to be in a closed room doing personal contact with clients anymore. I love it but during this pandemic it has not been great for my immune system.