60 % From Home

There is no place like home

There is no place like home

Especially when you’re living in a government issued trailer during spring storm season

We are so ready to be back in our house, back to our home and our space. Of course right now the house is unlivable, at least for the kids. Ryan and I would be there in a tent if we could. We need money to finish the house, but we have to finish the house to get money from the mortgage company.

Yesterday a mortgage company inspector came by our house. This was our first inspection since beginning work on the house last summer. We hoped to be marked officially 50% done so that the mortgage company would eek out some of our insurance payout.

We have gutted, cleaned and disinfected the house, insulated the walls and hung drywall throughout, had the drywall taped, floated and textured and had the tile floor cleaned.

Alas, that only brings us to 40% done.

We are in a difficult spot being at the end of the school year and having to meet numerous requirements from the mortgage company to get materials or work done. There is a huge toss up between doing work ourselves — in stolen hours here and there — and jumping through hoops to hire more expensive workers our mortgage company approves and will pay for. Neither is going to get us home this week.

We preparing to install doors ourselves, order flooring to DIY install and find someone to install our trim work. Once those things are done (with exceptions in the kitchen/dining room), we can have the walls and ceilings painted. All of this work should put us comfortably over 50%. Once we are there, we should get half of the remaining money from our insurance settlement which can be used to finish the kitchen and bathrooms.

While this is a major priority, we also have hopes of getting back into the house as soon as we can and live there while work continues. The trailer shrinks one square foot a day. For this to happen, our priority switches to bathroom cabinets and sinks to make the house livable. We need money from our insurance settlement to start work there.

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You can see the catch 22. If we were independently wealthy this would be easier. Then, I imagine many things would be easier with self-sufficient funds (affording a house not in a flood zone, for instance)

So, once again we find ourselves at a cross roads trying to decide which way will get us home quickest. If the heavens align and the clouds part in just the right way, we can make some real progress this month. I won’t speculate about a move-in date; I’ll just say if I’m still in that tin can during the heat of the summer, it may be best for everyone to just leave me alone.

 

 

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