I have to keep reminding myself that things are not going to happen according to my plan or even my timeline. Things happen when they are supposed to happen. Period.
We received a call from our credit union today. Brian and I decided to bite the bullet and pay for another appraisal on our home in an attempt to boost the chances that our home equity line of credit could more sufficiently meet our needs, if necessary.
Remember, at the end of 2008, we wanted to refinance our house and had an appraisal conducted for that. It was much lower than anticipated and even lower that the value of our property for tax purposes which is typically not the case. It was a full $2,500 lower than the tax assessed value.
Our most recent appraisal, conducted Friday, came back a full $17,000 higher than the last appraisal and $15,000 more than the amount for tax purposes.
I cannot stop smiling.
I also didn't realize how absolutely heavy my shoulders had been feeling these past few days. I'm breathing much more easily now.
I cannot even tell you how much I appreciate those of you who encouraged us to go ahead with this second appraisal and to trust our instincts that the first had been an anomaly.
I must now resist my childish urge to file a complaint with the State regarding the previous appraiser's behavior and the obvious mistakes on his part that led to the low appraisal of our property. On the one hand, I was so angry about not being able to refinance and so confused as to why everyone just took this man at his word that I wanted to scream. On the other hand, though, I wonder how many other couples with dreams of adopting or simply paying a lower mortgage payment had their hopes dashed by this guy? I'll need to pray about this one.
We are ecstatic.
I could do a little dance...but, I'm at work. I'm sure it violates some sort of policy. I'm using my bathroom break time to blog, though. I do want to make that clear!
Keep praying for us and for M3. Every day we move a little closer to each other and it is thrilling.