Saturday, December 11, 2010

Contemplating a change of course

We are at a point where we are considering other alternatives to our original plan.  One option is to keep with what we are trying to do, build the house on our land starting sometime hopefully soon with the banker we can't stand.  The second option is to find an existing home with land and farm it or both locations.  The third option is to stop where we are with this lender, regroup and find a new lender in the spring with a fresh face- this may or may not include keeping the current builder.  If we don't keep this builder I have a mind to revert back to one I interviewed before that we were pretty impressed with and our original smaller cape cod style plan.

The builder has really gone out of their way to try to make this work, its not their fault.   I'm not even sure if the fault lies on the bank themselves.  The banker that we are dealing with though is about to make me go off.  Its been since the end of August since we signed on.  They approved our loan back in early october.  Our appraisal has been done for nearly a month and now they are saying its a bad appraisal, that the house out front is/was a problem, etc, just goes on and on!  I think we've just about had it though. 

If any of y'alls have been here, have any advice or whatever...we'll take it!  So far our families think we should walk from this bank.  We are pretty much in agreement.

In other news (see I'm not all gloomy), I met with a survivalist group today.  Lots of great people with good ideas and skills, some of which we've not yet dabbled in yet.  Its good to have folks to ask when starting something new :)  If I get the ok from them I'll try to post a link sometime soon.

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