Home buying update 7/08

So I'm going to lay it all out on the line. Daniel will be mad but I have to write about it. I'm numb and I have no tears left anymore.

We have a problem with our mortgage. Here's the whole story:

In April 2002 Daniel was laid off from Sprint PCS after working for them for 6 years. His whole call center was closed. In total they laid off 522 people and it was so large that Sprint was required by Federal law to notify The city of Jacksonville.

Since he had been there for 6 years he was vested with the company. When he was let go he received severance and a small pension check.

After he was let go he was unable to find work and ended up filing for bankruptcy. Since then he's had steady employment.

Fast forward to now, we are trying for our first mortgage. The underwriter is asking for proof that he was laid off. We have nothing since it's been 7 years. We contacted Sprint who has all of their work verification through a third party. That company has him listed as retired. Listing him as retired means he left voluntarily. It lists where he worked. We contacted Sprint and they only show that he cashed his pension check (wouldn't you if you were out of work).

We went back and found news articles from that time that show that Sprint closed the center and laid everyone off. In the article it says the time and the address for the center which matches the address that Sprint says my husband "retired" from.

We heard back from Sprint PCS today and they said they don't have any records from that time and there is nothing they can do.

We sent that to our underwriter. Daniel hopes that since they see that we tired every avenue to prove it then maybe just maybe they will take that. Our mortgage depends on that decision. We should know for sure in an hour.

I don't think they will take it and we will be without a mortgage.

When I found out I curled up in a ball and cried on the floor of our apartment.