Sold: A Few Questions

October 10th, 2008

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Thank you for your wonderful support, everyone!

We are extremely relieved to finally sell our house.

And we’ve gotten some questions about how it all went down, so here you go…..

Weren’t you going to close a few weeks ago?  Why did it take so long?

We had to extend the closing on our house because we needed the time to secure a loan to sell it.

(Yes, we had to take out a loan to sell our house).

(Yes, we lost a lot of money).

(Yes, we are still in a lot of debt).

And when I handed the check to the escrow lady, she looked at me and said, “I’m so sorry.”

“That’s okay,” I said firmly with a smile, “We’re just glad it’s sold.”

“Yes,” she agreed, “And I hate to say it, but a lot of people have needed to do the same thing. It’s really too bad.”

If you lost so much money selling it, why didn’t you just foreclose?

We could have easily foreclosed.

And there was a time when we discussed that option.

Were we willing to take the hit and take years to pay it off?

Or should we just walk away, ruin our credit, but save a ton of money?

Honestly, this decision gave me pause.

But I will never forget the look in my husband’s eyes and the resounding shake of his head.

“No,” he said without hesitation, “That’s not honest.”

“Well, if we have to do it, we have to do it, right?” I asked, “I mean, it’s happening to tons of people.”

“No,” he stayed firm, “There’s always another way. Don’t you remember that talk from Elder Wirthlin? Where he said we always need to honor our debts? And he told the story of the man from the Depression who took years and years to pay off his debt, but he finally paid it off?  Well, we can, too.”

And that’s when I sat back.

Took a second look at this man I had married for eternity.

Marveled at the depth of his integrity.

And wondered how on earth I was ever going to deserve him.

From then on, my outlook on our situation completely changed.

I decided that my signature was going to mean something.

That nobody was going to lose a dime at my expense.

And that I wasn’t just honest when it was easy.

But I was also honest when it was extremely hard.

So you’re still going to open your Speech-language Pathologist business?

Yes.

My license should be approved in a week and I’d greatly appreciate people spreading the word.

I will be working at night after my son goes to sleep, so hopefully that works for people.

Also.

I’ve decided to do more photography for pay.

Thank you to those who’ve expressed interest in this service and to those who’ve supported and encouraged me.

Here’s my new (very simple) Photography Site.

I will be working on Saturdays when Charming is not at graduate school.

Do you regret buying your new house before your old one was sold?

So many times we’ve asked ourselves this question.

And every time we’ve had to answer, “No.”

We still feel like we made the decision God wanted us to make.

We still love our home, our neighborhood and our church congregation.

And we still hope to live here for years to come as we pay off the consequences of our treasured gift.

What else have you learned?

That even in hard times, people give incredible acts of service and generosity to their fellowmen in need.

Our mortgage broker was unbelievable.

He’s never even met us.

Yet he worked his tail off to get us the best loan possible.

And he didn’t make a single dime.

If you live in my area and want to work with the most compassionate, honest mortgage broker who has ever lived, please ask.

I would love to give you his information!

So, thank you, Morgan!

And thank you to all those who worked so hard on our behalf and even offered us money if we needed it.

You are amazing people.

How are you doing?  Really?

Honestly?  I’m very tired.

So I think I’ll spend some time with my husband and then go to bed.

Good night, y’all, and have a great weekend!

Thank you again for your prayers and support.

We couldn’t have done this without them!

Love,

Heidi, Charming and Bubbers

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6 Comments

Wandering Nana-Linda | 10/10/2008 10:15 pm

It always amazes me how we are directed to do things by faith and when we do it always works out… maybe not always the way we thought it would but we learn things and become stronger. I’m glad things have worked out and I must tell you, I respect you all even more for your integrity. What a great example you are to the rest of us. The blessings will come….

 
alycia | 10/10/2008 10:28 pm

You’re amazing Heidi, and your photography website looks fantastic! I know everything will work out for you. And thanks again for such a fun day, I’m pretty tired too. ;)

 
charlotte | 10/11/2008 5:34 am

Wow, I had no idea there was so much drama involved! I am so sorry you guys had to take such a big financial hit to sell your home. My esteem for the both of you has only risen after reading this. And I so wish we lived by you because I’m dying for you take pics of my kids!!! Good luck with starting your new business.

 
Suzanne | 10/11/2008 5:58 am

I am sorry that you needed to take out a loan to sell your home, but honouring your debts shows how great you really are.
Times are hard at the moment and I am sure we will all be affected in one way or another.
God is watching and he always takes care.

 
Kara | 10/11/2008 9:16 am

It’s going to be so much better for you in the long run not to go through a forclosure. I’m glad you were able to sell the house and had the option of taking out the loan. We thought about going through a debt settlement program for some of our debts, and in the end decided not to for similar reasons. We’ll pay everything off eventually, and our credit will be better than if we’d gone through settlements.

Good luck with your speech pathology and photography businesses!

 
Chelle | 10/11/2008 9:22 am

Thanks for sharing such an intimate story with us. We’ve been looking at a lot of pre-closures and it is heartbreaking to see the state of the homes and understand what has happened to these people’s hopes and dreams. It’s unfortunate that you had to take out a loan to sell your other home, but at least it sold.

In hard times, we must go through the refiner’s fire where the impurities are purged and the true measure of ourself shines through. Faith, integrity and honesty are so uncommon in today’s world… so it’s refreshing to hear such a powerful story and example that they are alive and well. Thank you.

 

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