Its happening!!

Ok so I have explained at least the tip of the ice burg about the bank and that whole stupid situation. Well I remembered slightly when we were signing the huge book of papers something about a 6 month limit for the construction. Well if we were doing it like the bank wanted and our contractor was doing everything then yeah it totally could have bit since we have done 90% of the work (at least) its gone a tad slower... So I asked our contractor about it and he didn't know and we were coming up on our 6 month anniversary with the keys so we were getting nervous since we hadn't even started siding! I emailed our loan officer and she didn't know and sent it to an underwriter... well I went through our paper work in hope to find something and well this is what I found this:

"...You must show a steady rate of completion on your rehabilitation project. All repairs/remodeling must be completed within 6 months of the date of your rehabilitation loan agreements...

...Failure to complete the repairs/remodeling within 6 months from the dates of your rehabilitation loan agreement will cause your lender to take serious steps including but not limited to, calling your mortgage loan due and payable."

AAAAAAND of course I read this after hours Friday of memorial day weekend... So I text our lovely Realtor and ask when that date was, if it was the day we signed papers or the day we got keys because, if you remember, that was almost a weeks difference. Well she didn't know, not her area. So Tuesday I call and actually get a hold of our loan broker and she says the rehabilitation loan is when we first signed our contractor a couple weeks in to the process and typically about a month before the house was even ours!!! You have got to be kidding? Banks are stupid and greedy. FML we are already over the 6 month deadline... She had never had this happen and asked what was up. I told her I was sick for a month that I couldn't have the workers over (which was true I was so nauseous because of baby #2 I barely left the couch) and then there was more but too much to go over on the phone but it was legit. Since no one was hasseling us she said were pretty much slipping under the radar but to get it done ASAP and if anything comes about there are a few ways to battle it so don't loose sleep but get it done! So the intensity began. The guys got 90% of the south side done. Our contractor kept wanting to send his guys because they have no work and we kept them at bay but when the bank called him and started rattling his cage he sent a guy over and we paid Kyle to stay home from work at the Tides to help him. Oh goodness! Slam slam slam. But then we realized that we didn't order enough trim... FML take two! So Mike, our contractor, places an order and it was suppose to be here Friday. Well the distributor, located in Stockton, sent the wrong stuff... EFFFFFF! So we lost a day... And we weren't suppose to get it until the following Tuesday! Well if that was the case we only had like 2 hours of work until we couldn't go any farther... I told Mike that I would borrow a truck and drive to Stockton and pick up the trim if that would make it happen. Well he found not the same trim but close enough at a place in Healdsburg and they could deliver in a few hours. SWEET! So that's obviously what we did. He also dropped off his dumpster trailer for us to clean up with and it was nearly empty. So Keith gets home from work and we were able to get Jerom Harrington and his kid brother over to help for a few hours. Jerom helped Keith with trim and some tar paper and the brother started filling the dumpster. Then THANKFULLY Jerom said he would come over and work a full day on Saturday with Keith and Kyle and siding got going!!! Holy cow they slammed it out! A big help went to this tool Jerom brought. I was like a paper cutter on steroids. You put the siding under the blade, ka-chunk, and its cut! And it could handle like 2 or 3 sheets at time! And of course Saturday was our first triple digit day. SO hot! But those 3 amazing boys got so so so much done!!! Take a look!

What Keith and Kyle got done before the bank started calling.

Chimney looks fantastic!

What got done between Kyle and one of Mike's guys

That is the dinning room and kitchen areas.

Later that night Keith and Kyle put our master bedroom window in. Kinda sketch but everyone is still alive so I guess it's all good??

Kyle, Keith and Jerom dominating on Saturday.

 

Looks amazing! Way to go guys!

Also started this area by the kitchen slider.

Dio chillin' on the work bench when the work was over, love him! 

Ok so it still looks messy but if you remember there was a HUGE pile of crap wood against the fence that is no longer there. That pile on the clear tarp by her play thing is full and ready for the dumpster and the yard got raked up a bit. Jerome's kid brother was such a huge help!

Yeah so that dumpster that was pretty much empty... not so much anymore! haha

Mike is sending a crew over monday to finish up the east side and the front pillar. Shouldn't be too much work but I'm sure it will take them all day haha =/ but we should for sure be able to get the bank out by the end of this week!!! I can not even begin to imagine that! yay!