As all of you know, since the fire, things have been beyond trying in our household. One of the things that most people don't realize, is that once the house building has begun and the re purchasing of items has started, you don't leave the pain behind. And I hate that when I dont put the ' in dont, it underlines it in red! Learn already would you!
Anyway...the pain is sill there, the nightmares, the tears, and the anger. It does not go away. The piles of paperwork are never ending. There is no time for fun and joy. It used to be going out and buying something new for the house, finding a treasure that would fit perfect in that corner, was exciting..Now its just more paperwork or better yet, worrying about having to pay someone else to move it or to store it until you move and then to move it, or since I have no idea what my house is going to look like, will it fit in? Yaddah yaddah yaddah. (screw you little red squiggle line, I dont care if its spelled right)
Now, I have enough stress in my life, cause it just does not go away and there are not enough hours in the day to deal with it all. Shit..I still cant figure out what size fridge I owned in order to get the correct amount of money to replace it. The insurance company low balled me on that one!
But now I have my stupid mortgage company to deal with. We took out a construction loan in order to put the addition on. Mortgage companies do this all the time due to large loss. It happens every day. So, we want to give them out money, they have approved it. Technically...however, they are refusing to pay our contractor any money for the addition until the fire restoration work has been completed.
Go ahead, think about this one for a minute or two........
Yes, that's right. The entire house must be completed without the first floor roof. Electric, plumbing, drywall, floors, paint, new kitchen, appliances...but no roof. Or are we supposed to put the roof on and then tear it off to add the addition? Or are we supposed to finish the entire house without a roof and have it rain/snow inside my new house? And then what, make another claim on my house cause it rained/snowed in my house? Are we supposed to put the plumbing in and electric and then tear it apart again where the new addition is supposed to go?
Want to hear something funnier...We have been told by WELLS FARGO, that work done on the addition before the fire work is completed, will be deducted from the amount of the loan. Ummm....WHERE THE FUCK DOES THAT MAKE ANY SENSE!
To recap..WELLS FARGO has approved our loan. But wont pay our contractor any money until the fire restoration is completed. So, brand new house with no roof, damaged by weather. And, if my contractor works on the addition, they will deduct the amount of work from the loan.
I dont understand this. We have an excellent credit rating. Very little debt. We suffered a house fire and suffer daily for it. We want to GIVE THIS STUPID COMPANY OUR MONEY, and they want to make us jump through hoops in order for us to give them our money.
I simply want to drive to the WELLS FARGO offices, go down to the underwriters(I always picture them sitting in a dark basement crunching number and eating stale snickers) and BITCH SLAP THEM.
Maybe I'll draw them a picture...literally. A picture of my house, newly finished, drywall, paint, new kitchen cabinets, new appliances and then a little rain cloud over the spot where my addition should be, but isn't because they wont let us build it until the restoration is complete.
Then, as I am holding them by the short hairs, very tightly, while growling in their pale stupid little faces, explain that no inspector in the world will approve a house with no fucking roof!!
I see an chicken and egg here!
Now, my contractor has emailed me and informed me that they are going to stop working. I get his email while halfway through my 3.5 hours of paperwork today. While listening to children argue behind me about who jumped in front of who while playing the kinect, yelling at the dogs for wandering around, messing it up, the phone ringing, kids begging, hubby calling....yaddah yaddah yaddah..
GUESS WHERE MY STRESS LEVEL IS NOW! and people wonder why I dont sleep!
If you see me on the news, with my hands cuffed in front of me and a jacket over my head being led away from the WELLS FARGO office...oh shit...I cant even say that because of all the stupid people in the world. I WOULD NEVER DO ANYTHING STUPID LIKE THAT. I just want to go slap around some underwriters! and draw them a very pretty picture of my new house with snow on the appliances...
