Monday, January 28, 2013

A Dream Deffered... Well Kind Of....

Hi All,

Boy has it been a while since I have been on here! A LOT has happened since we last chatted.

1. We got married yay!
married life is great!

2. A few weeks after the wedding all of the things with the Venice fell through. We had gotten switched to a second mortgage company from NVR in the beginning of Nov. NVR took us through the ringer to in the end ultimately say they couldn't close us. The jist of that story is, since we signed our contract so many months before we actually started construction we had to get our credit re-pulled a couple of times because the credit reports had expired by the time they went to start construction and then again when it was time for settlement. A couple of times would have been fine but it wound up being about 5-6 times. Because of that they come back saying,"oh we can't close you b/c the credit score has dropped too low"   -_-... are you serious!?! So there was a whole back and forth about that, they were very nonchalant through most of our process.  It actually took us being passed off to another company before anyone at NVR acknowledged that someone had messed up. I think we were a few weeks into the process with the next company before someone said they were trying to pull strings and call in favors w/ the new company b/c a few ppl at NVR had "dropped the ball on our case" ...right =-/

Any who the new company tried to make it work for us but one of their stipulations was they needed 6 months reserve of mortgage payments ON TOP OF what was needed for down payment and closing costs. So essentially they were looking for close to $19,000 to be sitting in our bank in order for us to close....Ok that was all well and good UNTIL Nov 17th.... b/c we were paying for a majority of the wedding ourselves we had the money in the account, but once we needed to pay vendors that money was going to disappear quickly. So then it became a game of trying to get to settlement before the next months bank statements came out that were going to show that the full $19,000 was not there any more (keep in mind we only expected to have to come out of pocket about $8500 so this extra $10 grand was a crazy stretch). In the end it all fell apart b/c ....Wait for it... I work for family WHICH HAS BEEN THE CASE SINCE WE FIRST WENT INTO RYAN HOMES AND SPOKE WITH AN SR!!! I am a w2, full time employee, w/ tax returns and the full 9 it s just that the new company said "it's not at arms length employment and must be looked at the same as being self employed" ...Umm what? if that was the problem why did no one who has known this information for AN ENTIRE YEAR  by that point say anything?!?!?!?!?

Needless to say I ran the gamut of emotions during this time, furious, heart broken, annoyed, disappointed name it I felt it.

 After we started telling ppl about it falling thorough we always got the same response...If it was meant to be it would have worked out... don't worry there is something bigger and better out there waiting for you guys... at the time I was a little skeptical but now I'm thinking they might have been right... wanna know my next post =-)


  1. Congrats on getting married. That dress is gorgeous! I'm sorry the deal fell through with the Venice, but it sounds like things are still working out well for you!

  2. Congrats on the were beautiful!

  3. Hi Dannielle! I have been reading so many blogs lately and this is the first time I have found someone who dealt with Ryan and NVR in Delaware! I'm so happy I found your blog. We are currently in the process of building with Ryan in Sussex County and have a similar situation. We have signed the purchase agreement and chosen all of our options, but are waiting on approval from NVR. Building is starting in mid to late January (crossing my fingers for the approval). I hope everything has worked out for you and I hope you are enjoying tax-free Delaware! Thanks for blogging.