 Whoa You okay? Do you want water? No, it's just down the right Woo! It's good we can start the video with tears Keep it rolling. No, you have like tears and stuff. You should you take it today. Why don't why can't it be a good thing? Why can't it be tears of happiness? It's not though This video is sponsored by Squarespace With Squarespace you get to control and customize your content to fit your brand this 2020 From websites to online stores Squarespace provides easy-to-use templates to build your presence online today Squarespace is what we use for Shann's personal site and the game of desire Go to Squarespace comm slash shambudy to start playing around for free and get 10% off your first purchase of a website or a domain We're moving A house or about to buy house we bout to buy a house with the help of the bank shout out to you Shout out to them, but we're gonna own something. Yes. We've been looking since October. Yes last year Mm-hmm, and it's been a wild ride It's been a wild ride put in six offers put a six offers liked about 20,000 houses like about 20,000 of them Did not get any of them not getting them constantly heartbroken going up and down. Yep Essentially what we learned we started putting in offers is that even though we had a really great down payment because we've been saving aggressively for a long time Where we were not really excelling in the game was our credit So in around April we were both like look We need to get ourselves in a better position so that we can get the kind of house We want to so I enrolled in a credit repair program Based off of an Instagrammer's recommendation biggest mistake key to the back of your mind We'll just move on with the story, but keep that back your mind So we ended up putting an offer or we switch lenders first switch lenders So we switch lenders after so many rejections. We just kept troubleshoot like what else can we do? Yeah, can we do like we kept pivoting there was a time that we were gonna buy shacks Yes, like yeah, we'll build a house. Yes, we'll buy land like whatever it takes So we were with a smaller lender and it wasn't working out But they they tried they needed a certain type of credit score We weren't meeting that and we decided to switch lenders to a big bank Because we thought that would make our offer look better and we banked at that bank and we banked at that bank So we're like, okay, cool. We're working on our credit score. That has to help Yeah, now we switch to a lender that people are aware of that has to help. Yes And it did help it did because we got approved We got approved for a loan that was larger than we thought yeah We could have gotten and we started looking for houses immediately within that budget and we found one that we loved Not like we could make this work loved like Genuinely the neighborhood that we wanted the style of house that we wanted the number of rooms that we wanted And it was like the lifestyle that I think both you and I could see ourselves raising a child in Yeah, and we put an offer in there and to our demise. It was there was 27 other people who loved that house and Originally they denied our offer So luckily our Relator called them and said give them a chance. Let them counter. Give them a chance I know you probably have bigger offers, but give them a chance So they gave us a chance and we countered and they accepted it But before they accepted it they called our lender because they had like a little relationship with our lender somehow I don't know how yet to this day But he called them well because our lender works at the bank and he this real estate agent works in the neighborhood Okay, they knew each other. Yeah, and so he called him and was like look Everyone's telling me to accept this offer I will accept it if you can guarantee that they will be able to be funded and you know what our lender said Yes, no problem. They got it. They're strong buyers. We got it. Let's do this So we thought the battle was over and then we did it and we thought that was it You know when you get a pre-approval letter from the bank That's gonna actually be giving you the loan and when you win out of 27 people you feel like you did the thing You already accomplished it. The work is in there. So we're celebrating. We're buying furniture We're like dreaming of what we're gonna do my family from Canada is coming. I'm like book your flights I got somewhere to stay and I mind you we got a baby coming on the way in T-minus What four weeks? Yeah, we're like, okay, cool Like this is all working out perfect timing Then randomly because going back to that we tried to get our credit improved. We went to this Company, which was referral from Instagram. Yeah, I got a letter in the mail. That was a little alarming to me Yes, so I decided to go and check my credit. Yes. Now. This is immediately after we had just got accepted for this house So for a pre-approval for the bank, they check your credit then they're not gonna check it again Until they have to fund your loan, but they are gonna have to check it again So I'm like, let me just go see make sure everything's cool. My credit score has dropped. What are they like 40 points or something crazy? 50 points. Oh 50 points It dropped so low that we would never have qualified for the loan that we got Yeah, never and on top of that somebody opened up a credit card in my name and The ridiculous thing of all is if you know how credit cards work You have to spend 65% of the balance in order to really damage your score. Yeah, whoever opened up this card Spent 66% of the balance. Yeah, so that drastically dropped my credit score They not only opened up that credit card, but they did two other inquiries. Yes under your name. Yes, dinged your credit Significantly, so now we're in a full-fledged panic because if the lender the bank goes and checks our credit for some reason Yeah, they're gonna be like they don't qualify under the kind of loan that they're looking for yeah So we go into crazy mode. Yeah, call up the person who was supposed to be helping with the credit and I want to just pay a little snippet of how that conversation went But what I'm telling you is if you put yourself in my shoes right now and this There are times in life where you realize that you're really not on your shit that was one of those times Yeah, so with the good news is we got it taken off It took two weeks got it taken off, but we got that taken off But that wasn't the end that was not the end so then the bank comes back and was like yo your credit Credit's not the problem. You don't have enough money in your bank And we're like, what do you mean? We have the down payment. How are you gonna say that? Well? No, no see COVID changed it now You need 18 months of reserves of your mortgage plus six months of your business cost And that's to clarify reserve means just laying around So they want if just to say your down payment's a hundred bucks that hundred bucks is due to the bank That's fine, but then they're like after you pay that hundred we want to make sure that you have 100,000 left just sitting there just for our peace of mind. Yeah, what kind of shit is that? So they actually took two weeks to come back to us with that and when you're in escrow for a house We were in like a 30-day escrow. Yes These contingencies you have to sign off on so essentially if you ate up two weeks giving us that bit of information We now only have a week and a half to maybe ten business days left to try to come up with this ridiculous amount of money That you never asked for when we were pre-approved what three weeks prior well They said we needed a reserve, but it wasn't no 18 months. It was not no 18 months Yeah, so we pulled together an insane amount of money. Yep submit it to the bank think okay now We're out of the woods. Yeah, then they come back with yeah, but your credit's the problem now Yeah, we're like okay. You just keep moving the goalpost That's fine, and they said you need to you you have okay credit But you have thin credit because you only use your business credit and our business credit is a One a one our business credit is so good. I could buy a house with our business credit But these motherfuckers was like nah Your credit's too thin we need non-traditional credit lines What's so crazy about the non-traditional credit line just to complain about it Jared had felt like we were being redlined through this process Yes, because one they kept moving the goalpost In number two it just became really petty towards the end Yeah, like one of the last things that they made us do was a conference call with T-Mobile Yes, to make sure that we pay our bill of like 60 bucks a month on time like you're This is gonna be what's gonna like be the contingency of us getting a house or not whether or not like I'm hollering at T-Mobile on time Yeah, it's ridiculous. It was petty because it doesn't make any sense who's gonna have 18 months plus six months reserve in their bank account plus a down payment and And just be able to buy the house like that my Justification for the reason why the bank made it so hard is that one I am not a citizen of America Number two, we're self-employed three our credit and So I think all these and of course it's COVID so it's a pandemic. So I you know, I didn't grow up in America Yeah, I'm not as familiar with systemic racism in that way Yeah, so my brain goes to like the Canada brain, which is like there's got to be some logical explanation for this Yeah, but we've spoken to a lot of people and nobody was asked to come up with the reserves that we did Yeah, and yours eight months pregnant eight months pregnant and you had to do all of this things No, no, but still just the little little fact like what are you guys doing it doesn't make any sense to me all that to say I am so incredibly proud of what we were able to accomplish I don't think that most other people would which makes me feel angry But also to really proud of the work that we've put in and I feel like this is just a reminder that you gotta be On top of your shit. Yeah, gotta be about your business now We're about our business creatively. Yeah, and this video is sponsored by Squarespace Who is a creative partner of ours and has been of ours and when it comes to that side of things like we're structured You know, we've got our mailing list. We have our websites. We've got our press kids We have everything in one beautiful magnificent space. Yeah What this has taught us that we got to take that and now apply it to the less fun side of life But before we get back to the less fun side of life, let's dive into some creativity with Squarespace Look, I know building a website can be daunting, but Squarespace makes it so easy Even for me who doesn't know how to code I find Squarespace very user-friendly I mean if you're a fan of this channel, you probably heard us brag about Squarespace because we literally use that for every website We build but let me tell you some things that you may not know about Blogging tools Squarespace has powerful blogging tools to help tell your story I mean look look you can schedule your post and have your content work for you Not the other way around social media integrations so Anything that you post on your Twitter on your Facebook on your Instagram Whatever you use can be posted onto your website and you can make social links so that they can go from your website Straight to go and follow you Subscriptions easily sells prescriptions the products or services on a weekly or monthly basis to generate Reoccurring revenue and build customer loyalty Look if you're still listening to this voice All I'm saying in short is go check it out build a website for free have fun And when you're ready to launch go to Squarespace comm slash Shambu to get 10% off your first purchase of a website or a domain So we're closing a chapter here This is the longest that either one of us have lived anywhere in our adult lives. Yes when you think back on this house What are you gonna remember the most? Um, I mean, this is the house that we got married in This is the house that you got knocked up in This is the house that we built You know our business really, I mean, I know we built it before but this is where we really hit our stride and This is the house you wrote your book in So and this is the house I recorded my last album in that's that that's done the best that any of my albums have done So I just really feel like this was a really good Foundation starter it made us feel confident. It made us feel like we are Adults and we have a place in this world and that confidence oozed off into our careers Absolutely, I feel like I'm gonna look back on this place and be like we kind of just built a community here Yeah, you know community between you and I but also to like this was a place our friends and our family got to come over a Lot more people stayed here for weeks on end But it set us up to be like now like we're we're a hub house Yeah, like and the next house is like a hub house Yeah, and the first thing we're gonna do we get the next house is try to build like an outside business area So we have some separation between work and living but this was the house I think that I felt we were able to not only create something for ourselves Yeah, but create a sense of community with people that we love the most Yeah, and I agree and I'm excited for the future I feel like this was our first great lesson in parenting We knew we really wanted to have a house by the time that our daughter came into this world We kept saying August is our time like August is our deadline We hit that deadline but in order to hit it we hit a billion different roadblocks along the way Yeah, so do you feel like this prepared you in some ways for parenting? I think so I think there was so many times where Just accepting no as the answer was just not gonna work So it's just taught me a lot of endurance with negativity or endurance with Getting the answer that you did not like And so displaying that as an example is something that I want to do and also like parenting I've always heard it's really really hard. So, you know somebody should put that on loop. Why parenting? I've always heard is like really really hard I Think the lesson that I've learned is like one We are definitely setting our kid up for financial success from day Uno as early as possible That is something that I want to ingrain in them because I don't want this to be the surprise that it was We learned a lot in a very short amount of time And so they always say buying your first property is the hardest thing and then after that you're gonna you're gonna continue rolling so I feel like that lesson in it for us Just things can get really hard But if you hustle you can you can move mountains in a short amount of time Yeah, as long as you are willing to pivot continuously, and I feel like that's been our strength this process Especially it's very stressful. We're dealing with a topic that neither of us really have confidence on We could have easily turned on each other. We could have easily started playing the blame game But we always were so focused on the bigger picture and progress versus the pettiness. Yeah, and I'm Proud I wouldn't say that's a lesson that I learned through this, but it was like a okay I know it's possible. Yeah, and so we do get into parenting squabbles where we lose sight of that and we get into the Pettiness, I'm gonna be like I know we're capable of better. Yeah, I think that as a partnership This is to me the biggest proof of how great we can be together. Yeah, do you agree? Yeah, I do I mean that the obstacles that were thrown at us it forced us to have to come together and figure out how We can find solutions and that's gonna be crossing over into parenting like the obstacles that parenting or having a kid is Going to throw at us. We need to come together and find solutions with regardless of what it is You know, especially when you know that she starts in their teen years We're gonna be we're gonna be going at it So, you know, I'm looking forward for those times in and and knowing that at the end of the day our goals are the same is When you feel weak You can lean on me. Yes. If I feel weak, I can lean on you and that to me is the pillars of Healthy family. Alright, so with all that being said, are you happy that things were as crazy as they were with this house? No