Thursday, October 1, 2009

Paperwork, and yes....more paperwork.

It seems that all I have done for the past few days is paperwork for our house loan.
Just when I think I might see an end, you got it....more paperwork is needed.

It has been extremely stressful for me trying to get everything in order. For those of you who do not know, my hubby has worked really hard to pay off past debts and become debt free. But due to his diligence, his credit score was reduced to "0". Yes, no credit rating. We were fortunate to find a lender who will do a no credit score loan using non-traditional credit such as rent, utilities, etc. You can have NO 30 day late payments.

We had a hiccup last week when our utility company reported to the credit agency that we had 9 - 30 day late pays! I was incredibly upset as I know that we have never had a 30 day late pay. It took 4 days to get it cleared up. We couldn't move on with the loan until it was cleared. We are already pressed for time due to the closing and the type of loan we are getting (Rural Development loan) and this was a week's time to get it cleared up and looks like it will possibly put us behind on the closing (sigh).

I have to remind myself that God is in control and knows our needs and will provide. I find myself not worried about it, just a bit discouraged.

So, today, I am taking the last of the requested paperwork to our realtor so she can email it to the lender. Then the wait begins. It will also have to go to the USDA for them to approve the RD loan...and according to our realtor...RD takes time.

So, if I could ask for your prayers that the paperwork gets to the right people and gets handled in a timely and efficient manner, I would appreciate it.

Other than that, today I plan on dusting the living room and working on my couponing and grocery list. Hubby is working a 12 hour shift tonight. Blake has a soccer game. And I'm going to do my best in just taking it easy for as much of the day as possible.

Tomorrow I will hit the ground running again.

Have a blessed Thursday!

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