Archive for June, 2013

Praise God

Praise God from Whom *all blessings flow*.

Praise Him all creatures, here below.

Praise Him above, ye Heavenly Hosts.

Praise Father, Son, and Holy Ghost.

Praise God.  I cannot even begin to explain my feelings from 10 am this morning to 10 pm tonight.

The day was rough.  I had a wonderful friend stand by me, Quilting Bee.  She has let me invade her home to escape staring at the boxes in my apartment.  She has helped me quilt to pass the time, and cook for her (and she’s cooked for me), and just loved on my two littlest Caterpillars.  We’ve really just lived life together the past few days, and it’s been my saving grace.

Today, after the Tax Attorney did her thing, and got all the information to our Broker, the Broker called Otto and basically said this was all a no-go.  While the official “no” hadn’t been handed down yet, he wanted us to be prepared to move on.  Otto hung up the phone and prayed – he had no idea how he was going to call me and break the news.

As he sat there praying, the phone rang again.  Only about 10 minutes had passed, and it was the Broker.

The Broker’s boss (with the Underwriters) had just called him.  They had changed their mind.  All the running around, all the lawyers, all the “extra” paperwork we’ve gotten them – basically, there was no chance we were going to close today – but an 85% chance to close on *MONDAY*!  That’s right – they had completely reversed their decision.

To say that we were elated is an understatement.  We were still missing the final form from the IRS, but that is suppose to take 6-8 weeks to arrive.  The Tax Attorney asked for it today, and was told it couldn’t even be generated yet.  But they were going to move ahead and give us the loan without it.

PRAISE GOD!

We (Otto and I, and the littles) had dinner with Quilting Bee and the Little Bees.   We even gave GO a bath there, and snuggled everyone in pajamas to come home.  Our hearts were cautiously elated.

At the apartment, I pulled into the mailboxes and checked our mail.

You know that form from the IRS?  The one that doesn’t exist yet?  Because it hasn’t been GENERATED?  And will take *6-8 weeks* to arrive?

It was IN THE MAILBOX!

The form that the IRS didn’t even know it had sent – was already in our hands.

God is good.  And we are blessed.

“For I know the plans I have for you,” declares the Lord, “plans to prosper you

and not to harm you, plans to give you a hope and a future.”  ~Jeremiah 29:11

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An IRS Update – But Still No House

I think today has been the worst day so far.  I woke up thinking about what I was *suppose* to be doing today.  GO’s room would have been painted Wednesday, touched up yesterday – so today we would have been putting the finishing touches on it.

Went’s bedroom would have been finished.  The older girls’ bedroom – the curtains would be hung, and we would be preparing to go to IKEA today (or maybe tomorrow).

The boys bedroom…  At the very least, curtains would be up and posters on the wall.

The kitchen would be finished, but not the big furniture – yet, maybe.  That would have come today I think.

Closets would have clothes.  The satellite guy would be on his way to come make sure we had our TV for the weekend.

I’m not.

I’m sitting in the apartment, with just the littles.  Otto went to work yesterday and today.  (No need to take off, if we don’t have a house.)

The worst part – we found out *exactly* what happened with the IRS.  Another adult made a mistake last year, and used Otto’s SS number to file taxes.  That person didn’t discover it until this year, when their tax prep person realized it for the 2012 taxes.

Here is my two big issues:

1) The Tax Prep person and the Adult had a discussion and made a conscious choice NOT to tell Otto, and keep their actions hidden.

2) The Tax Prep person said filing an amended 2011 tax return wasn’t a high priority – so they haven’t even done that yet.

If we had been given this information two months ago (at the very least), we would have closed on a house on Wednesday.  This incident is the ONLY reason my babies don’t have a home.  This is the ONLY reason that four kids full time, and two kids part time, don’t have a backyard and the curtains and pillows they picked out and a place to run and play.  Because two ADULTS didn’t know how to do the right thing.

It’s a lot like when a 3 year old poops in her panties, then hides behind a chair, because she doesn’t want to get in trouble.  We can all smell it, we know where it’s coming from, the longer she sits in it – the worse it will be to clean up, and there is nothing you can do or say to make it better.

So we’ve got a Tax Attorney at the IRS today, but I’m not holding my breath.  The government doesn’t work quickly, even when it’s the right thing to do.  We are the victims, especially the kids.

I have no idea what will happen next.

~Mummy Butterfly  )i(

“My” House

It’s funny (no ha-ha funny, ironic funny) that Otto and I are battling through this home loan, while at the exact same time struggling to find a forever church home.

We had narrowed our search to the area where the new house is.  The distance is about 18-20 miles from our current church that we’ve been visiting.  We wanted something closer to we could “live life” with the families we worshiped with.

Then, the summer Sermon series?  Yep, it’s called “The Journey Home” and is all about finding your home on earth, finding your home in Heaven, and discovering God in both.

I have no news on the state of the home loan.  Nothing.  Nada.  Not a word.  Except for yesterday when Otto had to fill out and sign ANOTHER letter and get them MORE paperwork (this having nothing to do with the IRS issue).  I hate the “holding pattern”.

Our Broker is telling our Agent to make appointments and keep the closing on track for noon on Wednesday.  But, as much as I like him, I don’t think he’s doing it because he thinks it will happen.  He’s doing it so IF he does have to deliver bad news, he can put it off as long as possible.  Fair enough.

Cookie came over this morning and with her help, I managed to get GO’s room completely packed up.  I still have to do her closet – but I’m sorting clothes when I do that, so it’s a longer process than just throwing things into boxes.

Happy Boy, Went, being a big help today!

Happy Boy, Went, being a big help today!

The sorting of the LEGOs (and the packing of the Little Girl Room)

The sorting of the LEGOs (and the packing of the Little Girl Room)

GO's Room - post packing

GO’s Room – post packing

With every box I tape, I pray that God will open doors and open people’s hearts.  That He will grant this dream and smooth our forward path.  It’s my step of active faith that no matter what our time in this tiny cramped apartment is coming to a close, because God has something bigger and better out there for us.

I’ve already gained something.  Four families from the Church Small Group have reached out to Otto and I by text or email.  We wanted confirmation that *this* was a place we could belong.  That *this* was a place we could raise our children and serve God.

I suppose if that is the home I get out of this giant mess, I’m ahead of the game.

I pray soon, though, I can show you pictures of “My” House.  And the fence and deck and pretty bay window.

~Mummy Butterfly  )i(

An Update

I’m not okay.

It’s been a long time since I’ve posted.  I’ve thought about it often.  I have folders and folders of digital photos ready to upload, all sorted by their date/occasion.

But it’s been a rough six weeks or so.

We have been waiting for a house.  Eight people in a three bedroom apartment for sixteen months.  I’m losing my mind.  I dream of being able to do my own laundry.

I want to wash my baby’s nighttime sleeper when he poops.  Seriously, that is what I dream of.

And we finally moved forward.  Found a home.  A home that might have even been a forever home.  It had woods, with running water.  Just enough to splash toes in, not enough to worry about with little kids.  Sat on almost an acre of land, with a large, pretty green space.  A deck to sit on.  Grass for the Caterpillars to play in.  Close to the church that maybe – just maybe – we could be at home in.

It had four bedrooms, plus a pretty office for the girls to use as a bedroom…double french glass doors.  Went would have had his own bedroom.  GO would have had a DOOR – I’ve prayed for a door.  That girl NEEDS a door.  She hasn’t had a door in sixteen months.

It had walk-in closets.  And a garage.

And we had waited and prayed for so long.

Three weeks ago, everything was fine.  Our Mortgage Broker joked we didn’t even need to ask for an extension on our Financial Contingency.  Everything was *perfect* and we were *so good about getting them documents*.

We had already started dreaming.  Our apartment has rooms totally packed up and we’ve given our notice to the apartment complex. Closing Date: June 26th!  Move-Out Date: July 10th!

Then Monday we got a phone call at 6pm.

There were a couple of issues.  Some paperwork they needed.  By 5pm on Tuesday.

Paperwork from the Court System of our County.

We foraged on – sat at the courthouse for almost an hour, paid a chunk of change, and got copies.  Found out that the words “Settlement Announced” did NOT in fact, actually mean a settlement had been announced.  Kept praying.  Praying God’s hand on everything.

Headed to the Broker’s office, and sat around for another two hours.  Something fishy with our IRS documents – oh, we know, we told them, remember?  Otto’s SS# was stolen in 2011 and used to submit a fraudulent IRS return.  Of course, he OWED money in 2011, and Our Government had no problem cashing his check.  They smiled, nodded, and said – just fill out this paper.  It will be fine.

Everything will be fine.

Liars.

“Industry Standard is that the underwriter needs 3 months proof, but your’s is asking for 6 months.”

No biggie.  We figure out six months and print copies.

“She (the Underwriter) just came back and said she wants 18 months proof.”

Understand this – this woman wants EIGHTEEN months of proof.  Industry standard is three.  Industry standard for a red flag is six.  She wants THREE TIMES the number EVEN in a case with a red flag.

Broker pulls strings at our bank (he has a friend who works at one of the local branches).  $150 of waived fees later, we have eighteen months of copied, bank stamped and bank signed checks.

Otto goes to pick those up today, drops them off at the Broker and finds out we still haven’t gotten the info from the IRS they need.  He decides to go directly to the local IRS office.

Bad things happen, but they tell him that if he can get back by 4:30 pm, when the doors lock, with the documents they need, they will get him his forms.

Liars.

I meet him and we (legally) get to the IRS office as fast as we can.  We walk in the door at 4:21 pm.  She takes all my paperwork and all of Husband’s.

Bottom line – they never closed Husband’s Identity Theft Case in 2011.  It’s still pending.  This means:

1) They (The IRS) refuses to sign any form about Otto’s 2011 Tax Return.

2) They are not even PROCESSING our 2012 Tax Return.

3) They refuse to sign any form acknowledging receipt of the 2012 Tax Return.

4) Our 2012 Income Tax Refund?  Yeah, we *might* see that before 2014.

To say that our car ride back to the Broker’s office was a bad one, that is the understatement of the year.

So now we wait.  We find out in the next 24 hours if the Underwriter will take what we have.  (What we have is TWO IRS Identity Theft Affidavits – signed by the IRS, CPA Prepared Tax Returns from 2011/2012, and my incredibly perfect 2011 Transcript).  If she does, the house is ours.

If she doesn’t – not only will we lose the loan, but we are stuck.  We can’t do anything for another loan until the IRS handles the 2011 Identity Theft Case.  The *lovely* IRS employee explained that we shouldn’t even expect anything to happen for another six months or so.

I’m not holding my breath.  At this point, only the Hand of God can work on her heart.  She’s been one of the most difficult people I have ever had the pleasure of working with.  And I worked in non-profit fundraising…

I don’t have a home on July 10th.  I have two boys coming home from their dad’s house, expecting a new bedroom (all decked out in Minecraft) and baby kittens.  And a yard.

Dear God, please – I beg you – my boys need a yard.

I am trying so hard to trust Him.  We pray together nightly and daily and throughout the day.

I don’t know what to do.

I just don’t know.

~Mummy Butterfly  )i(