“Optimist: Someone who figures that taking a step backward after taking a step forward is not a disaster, it’s more like a Cha-Cha” -Unknown
My husband and I had found the farm of our dreams. Every atom in my body vibrated with excitement and a knowing this was home.
The lovely couple selling this magical place had been its caring stewards for forty-three years. For them, it was like selling their baby. After turning other potential buyers away, thankfully they decided we were worthy candidates to take it over.
Aquila and I had saved diligently, been responsible with all our bills, and developed a good credit rating; I felt sure we would get a loan without issue. I waltzed confidently into the bank to negotiate my mortgage terms, expecting smooth sailing. POP! My bubble burst. Farms are different than other mortgages: high-risk, so thirty-five percent down required. I felt my heart fall to the pit of my stomach with a thud.
I went to see two other banks, one credit union, and two independent mortgage brokers. I was literally laughed at on more than one occasion. Between being self-employed and wanting a property over twenty five acres, my options were looking dim. I was told my only choices were to find a private lender with interest rates that were beyond our means, or wait to find another farm.
There had to be another way.
Call it what you will: intentions, a connection to the universe, a prayer – it was time to put it out there. Aquila and I revisited why we wanted a farm. We sat down, wrote out what we both felt, and made it a true commitment. We expressed with deep care how we wanted a place of healing for people and animals, a place that would help us give back and encourage harmonious living. We vowed to be good caretakers for this beautiful patch of mother earth where we desperately wanted to live. We envisioned a farm that would bring a little balance into our corner of the world.
The following day, a client told me about another mortgage broker with a solid reputation of finding solutions. I cautiously made the call. To my surprise and delight, he said “no problem!”
Have you stepped back to see a bigger picture? Would love to hear about it, leave me a comment. Hopefully it was helpful for you too.
This is part of a continuing story, click here to start from the beginning.
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