Hound dog
Nana's are Beautiful
We've been over the insurance paperwork for the house. It states nothing or has no clause that if one of us should die the house would be paid. And easy child called the co and they told her they didn't offer such a benefit.
We've been over the house papers, and can't find anything that specifically states it either. There is one charge on one page that is "iffy" as it states mortgage insurance but doesn't have it stated as how her research online says it's normally stated. But I did tell her what other reason would it say mortgage insurance? If you don't pay, you lose your house, so I can't think of another reason. The house insurance is required as long as your making house payments, which would cover everything else as far as the property goes.
Tomorrow we're going to talk to the loan officer. I hope and pray that they have the paperwork there.
Maybe I shouldn't be worrying about this right now, and I've tried not to, but I simply can't help it. I mean, a person has to have a place to live.
At that time my short term memory was much worse than now, but I remember the conversation, I remember adding it, I remember digging in my heels about it because husband didn't want it because he figured it would cost a lot of money, which it actually didn't. I remember the loan agent saying how wise it was to think of it because you never know what might happen. And I remember telling her that I knew about it because my mom had it set up for me like that as a teen.
Now, my short term memory stinks at the remembering part, I don't conger up memories out of the blue. If I remember it, it happened. I think the reason I remembered it was because I'd told everyone like my mom, easy child, Nichole, and even Travis so that if husband forgot........they'd remind him. Oddly enough, I did it because I didn't want him to have to worry about making a house payment if I passed away while trying to deal with kids and all the other stuff. I never dreamed he'd go first.
I couldn't get the man to do wills or anything else. But I made sure that was done.
I can just barely meet the household expenses with what easy child pays me. No way can I do the house payment even though it's not really high. Unless I can get someone to hire me for weekends only. Not sure if anyone would, but I'll give it one hellova shot.
So I don't understand why it's not in the paperwork, clearly stated. husband nor I would've thought much about it at the time as this is the first house we ever owned.
It has me panicking a bit. It's not just me I have to worry about, there is Travis and furbabies too.
sister in law and easy child have already evidently discussed this at length, and it was his idea for all of us to move in with them if there is nothing to pay off the house with, and just let the house go. And while that tells me how much they love me (which I already knew), I'm balking. Their house is a teeny 3 bedroom starter home. We'd literally be climbing all over each other, even without the furbabies coming along. I'm old enough to know in less than a week we'd all be ready to strangle each other. It simply would not work.
It's been suggested that I ask my Mom to move in with me. While our relationship has vastly improved and she's greatly mellowed in recent years.......the thought of "caring" for another person I'm going to lose is sort of putting me off of the idea right now. That may change later, but now no. And I'm doubtful she'd go for it. I'd have to wait until my grief isn't so raw to seriously consider it.
If there isn't insurance to cover the mortgage, I still don't want to just throw up my hands and walk away from the house. easy child and sister in law can't understand why. They're worried that I'll keeping putting in payments and still lose it in the end. And they think I can use whatever money I have to get finances in order. While those are valid points, I waited 20 yrs to have my own house. I had to be run over by a truck to have the down payment to have my own house. I love this house. Just walking away from it feels like I'm giving up. I'm not ready to give up everything.
I just lost husband. I had no say so in that. I don't want to lose everything else on top of it. Not if there is a chance I can find a way to make it work. Know what I mean??
If that protection for the mortgage doesn't exist........I'm not going to take it well. I'm going to be livid after all the effort to make sure it was in place, and now that I need it, it's not there.
We've been over the house papers, and can't find anything that specifically states it either. There is one charge on one page that is "iffy" as it states mortgage insurance but doesn't have it stated as how her research online says it's normally stated. But I did tell her what other reason would it say mortgage insurance? If you don't pay, you lose your house, so I can't think of another reason. The house insurance is required as long as your making house payments, which would cover everything else as far as the property goes.
Tomorrow we're going to talk to the loan officer. I hope and pray that they have the paperwork there.
Maybe I shouldn't be worrying about this right now, and I've tried not to, but I simply can't help it. I mean, a person has to have a place to live.
At that time my short term memory was much worse than now, but I remember the conversation, I remember adding it, I remember digging in my heels about it because husband didn't want it because he figured it would cost a lot of money, which it actually didn't. I remember the loan agent saying how wise it was to think of it because you never know what might happen. And I remember telling her that I knew about it because my mom had it set up for me like that as a teen.
Now, my short term memory stinks at the remembering part, I don't conger up memories out of the blue. If I remember it, it happened. I think the reason I remembered it was because I'd told everyone like my mom, easy child, Nichole, and even Travis so that if husband forgot........they'd remind him. Oddly enough, I did it because I didn't want him to have to worry about making a house payment if I passed away while trying to deal with kids and all the other stuff. I never dreamed he'd go first.
I couldn't get the man to do wills or anything else. But I made sure that was done.
I can just barely meet the household expenses with what easy child pays me. No way can I do the house payment even though it's not really high. Unless I can get someone to hire me for weekends only. Not sure if anyone would, but I'll give it one hellova shot.
So I don't understand why it's not in the paperwork, clearly stated. husband nor I would've thought much about it at the time as this is the first house we ever owned.
It has me panicking a bit. It's not just me I have to worry about, there is Travis and furbabies too.
sister in law and easy child have already evidently discussed this at length, and it was his idea for all of us to move in with them if there is nothing to pay off the house with, and just let the house go. And while that tells me how much they love me (which I already knew), I'm balking. Their house is a teeny 3 bedroom starter home. We'd literally be climbing all over each other, even without the furbabies coming along. I'm old enough to know in less than a week we'd all be ready to strangle each other. It simply would not work.
It's been suggested that I ask my Mom to move in with me. While our relationship has vastly improved and she's greatly mellowed in recent years.......the thought of "caring" for another person I'm going to lose is sort of putting me off of the idea right now. That may change later, but now no. And I'm doubtful she'd go for it. I'd have to wait until my grief isn't so raw to seriously consider it.
If there isn't insurance to cover the mortgage, I still don't want to just throw up my hands and walk away from the house. easy child and sister in law can't understand why. They're worried that I'll keeping putting in payments and still lose it in the end. And they think I can use whatever money I have to get finances in order. While those are valid points, I waited 20 yrs to have my own house. I had to be run over by a truck to have the down payment to have my own house. I love this house. Just walking away from it feels like I'm giving up. I'm not ready to give up everything.
I just lost husband. I had no say so in that. I don't want to lose everything else on top of it. Not if there is a chance I can find a way to make it work. Know what I mean??
If that protection for the mortgage doesn't exist........I'm not going to take it well. I'm going to be livid after all the effort to make sure it was in place, and now that I need it, it's not there.
