We have 99 days today and now we might have to cancel. I booked the trip in Dec for this Dec, was doing great with savings and even had a seperate spending money savings account built up pretty nice. We find out we have to have some work done on the house. No problem we had been talking about doing a refi on our house since we have well over 50% equity in it. Well the project became an emergency and we had to drain savings to pay for it ASAP. No problem we will still refi pay off a little cc debit and the trip. Well now right before we were to get it all said and done the broker we were using went out of business. Just up and closed. Now because of being self employed we are too risky for most banks to work with.
I don't even know how to tell the kids. I am so heart broken. This was their first trip to Disney and we have been planning together for months. I am hopng and praying it works out. If not I have some awesome ADR's to pass on.
I don't even know how to tell the kids. I am so heart broken. This was their first trip to Disney and we have been planning together for months. I am hopng and praying it works out. If not I have some awesome ADR's to pass on.
...that is terrible news to give your children. I understand what you're going thru as we've wobbled on this upcoming trip also!! 
Without trying to get too personal about your specific info, can I suggest before you cancel the trip that you try contacting a mrtg. company that still does manual underwriting? I know Dave Ramsey recommends Churchill Mrtg. May be able to Google for more companies. Manual is the way mrtgs. use to be done (financial analysis plus a real person or committe making the decisions on a case by case basis). I would think that trying to get a second mrtg./line of credit would be more difficult currently than a cash out refi of a first mrtg especially if you have that much equity.
