Since we have some equity available in our home we were initially told we could probably get at least a couple of thousand in cash when we refinanced. Needless to say we were thrilled at that prospect and that it certainly would be an answer to prayer! We just found out our home didn't appraise high enough because of the market so we no longer qualify for that type of loan. We can still refinance, but there would be no cash out. Bummer.
I checked with Jeff's work this week about borrowing from his 401k. They do not offer a loan program through his employer and adoption was not a qualifying event for "hardship withdrawal". Drat!
Two. doors. closed.
I've sat down several times to fill out an adoption loan application, but it just doesn't feel right. I make up my mind that I'm sick of wondering where the money will come from, I pull out the paperwork, and I just can't do it. Something deep in my gut tells me it's not what I've been promised. Plus, the thought of filling out another 10 page form to prove myself worthy AGAIN doesn't sound appetizing (although I'd do it if I felt I was meant to).
So as we reach the final stages before Mercy comes home and I compare what we have vs. what we need, I get overwhelmed sometimes. I know many adoptive parents are in this same situation. I have been trying very hard to cast all of my cares and not carry this burden. I pray every day for clarity and wisdom about finances. There is no back up plan...God WILL provide.
“So don’t worry about these things, saying, ‘What will we eat? What will we drink? What will we wear?’ These things dominate the thoughts of unbelievers, but your heavenly Father already knows all your needs. Seek the Kingdom of God above all else, and live righteously, and he will give you everything you need.