So things have started running a bit smoother for us since we have switched social workers (even though we have yet to meet with her). We have been in contact with the program coordinator at least a couple times during the week and she has helped us on what is to happen next. A few days ago we got an email from the agency stating that our old social worker "misplaced" some of our documents and we need to have them redone. It's nothing major, but it's just the point that she can't do anything right. The documents missing are one of our reference letters and our special needs checklist. Thank goodness the letter was able to be resent and we have been working on our checklist...hopefully for the last time. Once all of the documents are submitted our homestudy will finally be sent our way...that is after we send them $7900.
So after clearing up that mess, Justin thought it was time to officially apply for the adoption loan. He has spoke with the bank on several occasions since starting the new adoption and they went over what requirements had to be meet and the loan terms. He said everything looked good and to go ahead and apply. This adoption loan is a five year loan that you pay at least an interest payment each month. The loan has to be paid in full at the end of five years so you have to make additional payments throughout the loan or more each month. The way it is suppose to be is that you pay the interest each month and then give them your tax return each year...at least your adoption tax credit amount. This worked out perfectly for us. If we continued to get back as much as we have for the past three years the loan payment would be paid off in time. Perfect, we are well on our way to our baby...right?
So yesterday Justin prints off the official application. There weren't many questions on the application and the loan officer acted like everyone gets approved. Yay for us! After filling out the form, Justin sends over our application and calls to make sure the information came across clearly. He said everything looked fine and he would give him a call later on in the day. A few hours later, Justin recieved a call back from there office saying that we had been denied. Justin said that feeling was just like the day when the doctor told him he was infertile. He couldn't breath and had no idea how to break the news to me. He wanted to wait until he got home from work, but I had called him shortly after the news and I could tell something was wrong. I just kind of froze...I couldn't move. So much has been going on lately that I couldn't even cry...no more tears to shed. I can litterally see a baby's picture a few feet in front of me and can almost touch them but instead someone is beating me down with a baseball bat and the pain is unbearable. How can this be happening to us again? How does something that feels so right, seem so far awaay?
We don't even know what to do at this point. Do we still apply for the grants and pray that we get one? Will it even matter...where will the rest of the funds come from? Do we drop out once again and let our dreams of having another child come crashing down? I just don't get it...what have we done to deserve this?
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I am so sorry about everything going wrong again!! I sent that letter out again the day Justin called me, so hopefully they have it by now or will in a few days. I know the real blow is the loan though. Did you ask why you were denied? I would apply for every grant out there and pay for this as you go along. You may get more money than you think-then you will get your tax refund to add to it. Who knows how long your wait will be-if it takes a year or more that will give you that much more time to save. And when push comes to shove I bet your parents will loan you the money if you get a referral and are short.
ReplyDeleteAs much as you want Lydia to go to preschool-you could delay that and save yourself a few hundred dollars a month plus maybe you could pick up some more hours at your job?
You will make it through this and I am so SORRY this is happening to you. I wish it were easier for you.
Did they give you a reason you were denied. Sometimes you can appeal that stuff and they will change their minds. Def. apply for the grants. All of this stuff, the delays etc. is just happening so that you can be matched with that baby that is meant to be yours. All of the timing seems wrong now but maybe it's because someone is still pregnant with the baby that is meant to be yours. Just keep plugging along, it will happen, just have faith! Sorry about all of this, it really sucks. I'm hoping somethings start going your way soon.
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