Before I really get into this post, I feel it is important to say that uncertainty, trials, and tribulations are all a part of life, so embrace them and know that there is something good on the other side of all that.
August 31, moving day! This was the day we packed our belongings into a storage unit and moved into the extended stay hotel. When we packed our life into the storage, we still didn’t have a final approval from the lender, but I was still operating in faith. The lender asked me to do some things to improve my credit score so that I could get a better rate and I did everything she asked, and my score dropped. No one could explain to me why this happened, but it did and here I was once again filled with so much doubt and so many unanswered questions.
I ended up applying with another company and got a conditional approval and the process started all over again. I resubmitted all the documents, signed all the forms, and I waited. Not patiently, but I waited. What felt like weeks had only been days. On September 05, my birthday, we did the final housing inspection and New Home Owner Orientation. I was excited and it was my birthday, what a gift! I remember the agent being uneasy because we didn’t show much excitement, after all this was our first home purchase. What he didn’t know was I was so nervous, yet excited, I still couldn’t believe this was happening.
The lending officer I worked with was truly a patient person and she was very helpful, she kept me informed of everything and she did her best to assure me that we were going to get through this. Our original closing date was September 13, 2019 but with us having to go through a different lender this was pushed back. Finally, we were given a closing date of September 20, 2019. On September 19, I called the lending officer to see if we were still closing and she informed me that they still hadn’t received my rental verification so it would likely be pushed back. I told my family that the closing may be pushed back; they tried to sound enthused, but I could see they were just as disappointed as I was.
I went into the restroom and I prayed, wiped my tears, and came back out and told my family to disregard everything I said because we were closing tomorrow. I told them to pack their things so we wouldn’t have much to do the following day. On September 20, I got a text message that stated, “you will be closing at 3:00 p.m. today.” But GOD! We closed and We. Got. The. Keys!
The keys to our brand-new 4-bedroom, 2-bath home. God had answered a prayer that I had given up on, He actually answered two. You see I thought I needed to end my marriage to accomplish my dream of homeownership. As bad as it sounds, I felt my husband was standing in my way. I felt this was because we were told we couldn’t do it apart, meaning we both had to be on the loan; but God had different plans.
To sum it all up; looking at my situation, home ownership was impossible. My credit score was low, my debt was as big as Texas, my checking and savings was non-existent, and it seemed every effort I made to get these things right failed. When I applied for the home I applied alone but because I am married, they still had to consider my husband’s debt. So this, on top of everything else, there was absolutely no way. This is why I know without a shadow of doubt that only God could have lined this up so perfectly. Where man say it is impossible, God says all things are possible. God’s timing is perfect, I honestly feel if I was given this home at any other point in my life, I wouldn’t have cherished it as much as I do now.
It is not just a home to me, it is a mountain that I overcame, it was Goliath. Through this whole process I learned three valuable lessons; they were to listen, trust, and obey. I needed these lessons more than I needed anything else.