We risked everything when we first bought our little farm. We sold whatever we could for 4.71 acres of mountain land that we bought from a meth addict. 3.71 acres of which was sight unseen. It was among the most crazy endeavors that we had ever tackled in our lives and I’m not the risk taking type. I’m the think-everything-through-from-all-angles type of woman. The ask-100-questions-before-you-ride-or-die sort of girl, while my husband is my polar opposite.
We couldn’t afford much but we had this little dream tucked away in our hearts of owning our own property and finding financial freedom. Throughout the years, my husband and I talked about our love of country living and our desire to be engulphed by mountains. Early on in our marriage we bought a house near an Army base in Tennessee. It was a stunning old farmhouse in suburbia with original hard wood floors on .25 acres of land. We loved that house. We wanted to raise our babies in that house. Unfortunately the year after purchasing was when the housing market came to a crashing halt. We paid far more for it than what it ended up being worth.
We tried to hold onto to our love of that old house for dear life. Meanwhile, my husband barely made it through five different layoffs at work. He needed a position with better healthcare and stronger job security. We tried to sell the house to get out from underneath it. We tried to rent it out, and we tried paying for two mortgages. In the end we were left living pay check to pay check and struggling to keep the piles of bills at bay. We spent many nights fighting between our fears of losing everything and our need for sleep. When we finally filed for bankruptcy and foreclosure, my husband took it as a deeply personal failure on his part, while I felt relieved of our biggest burden.
We moved around quite a bit with my husband’s new position in life-flight until we ended up in a little mountain town called Ellijay. It was one step closer to everything we had ever wanted and we had the privilege of renting a house with some amazing views. The “No pets allowed” policy however was a stab in my animal loving heart. I longed for something that was ours. My husband was convinced after our foreclosure that we wouldn’t be able to buy anything of our own for a very long time. Yet there it was… that little dream tugging on the strings of my heart. So I started browsing Facebook Marketplace for land. Who would have thought that a seller might be satisfied with owner financing something just to have money in their pockets and not have to pay the taxes on a property they don’t use anymore?
There were so many listings that found their way onto my feed. Most of them were far above our price range, some were in gated communities, and others were land parcels that were lacking in natural resources. I kept looking until I spotted an advertisement that read something like “Nearly five secluded acres in Georgia off of a private dirt road. Needs work, asking 28K. Has a well and a septic tank.” I gasped. There was no way it could be possible, but I wasn’t about to walk away without being sure. I knew that if it was true… it was more than likely going to get snatched up by someone who probably had enough cash in their pockets to throw at it than we did. Yet I wouldn’t forgive myself if we didn’t at least have a look.
My husband thought I was crazy at first. He was right, I was. Yet I knew that there had to be a better way to live rather than struggling from pay check to paycheck. I was done with worrying late into the night and watching my husband fight to keep a roof over our heads. I was tired of throwing rent money away while never seeing the end of the rat race. So I begged him to think about it, and then I drove to the property with Nikolai so we could have a look. The bumpy dirt road was a muddy disaster. My car nearly got stuck and the first driveway I came to made my heart sink because it was steep… but I kept going anyway.
When I finally found our destination, the property was a mess. The only building on it had burnt down and needed to be removed. The drug addicted mother to the man who was selling the parcel had left trash everywhere and hoarded old tires. Yet if you looked past what needed elbow work… stunning large pines loomed overhead. The smell of forest and earth lingered in the air, the creek babbled over rocks, and you couldn’t see a single neighbor because you were surrounded by nature everywhere you looked. It was dripping with potential in my eyes.
I talked the seller down in price due to the cleanup involved and the taxes they owed on it. We walked away having paid 21K, interest free for almost five acres of land. It was one of the most challenging things we had ever done because once we bought it, that’s when the real work began. We downsized our belongings, threw everything else into a storage unit and lived in hotels for 6 months. Nikolai wasn’t in school yet. Rob traveled for work anyway and his company paid to put him up in hotels, so we traveled with him. In between my husband’s work, we would drop by the farm to clean it up. Little by little we took it from where it was and polished it into what we knew it could become.
We didn’t have time to build a house. We didn’t have the funds to build one either. Instead we bought a brand new two bedroom, one bathroom single wide mobile home. 782 sq. feet, just a little bit bigger than the largest tiny house. I didn’t think I would be the kind of woman who would fall in love with what most people call a trailer. It wasn’t my dream option as a little girl or as an adult. That all changed once I started pouring my heart and soul into it. Between my love of decorating and our stunning $300.00 a month mortgage payment… I lost all desire for having a big house with fat monthly bills no matter how pretty the house might be. Peace of mind was worth it’s weight in gold.
We had everything we needed and so much more. We paid off our land, both of our cars, and brought home some pretty amazing fuzzy faces to add to our little family. I learned how to compost and began creating the garden of my dreams. We spent evenings catching fire flies with our son and cutting walking paths into the woodlands. When we finally got around to seeing the rest of our property, we discovered incredible mountain views and explored the little creek that runs through the entire front end of our property. With hard work, dedication, and a shoe string budget, we created the kind of life that we had always dreamed of.
In the beginning stages of filing paperwork to close on our property and feeling the pressure to get the clean up sorted as quickly as possible, we had moments of doubt. Living out of a suitcase with a three year old made me want to loose my mind. It was challenging, frustrating, and at times we thought that perhaps we had made the biggest mistake of our lives. Yet, we stuck it out and we found that sweat equity more than doubled the value of what we had originally put into it. On the other hand, the memories we made while we were working together and the lessons that our hard work taught our son was priceless.
Four years into living the life we had always dreamed of and another unexpected opportunity ended up coming our way. The property directly across from our driveway went up for sale. 6.49 acres listed below fair market value and it was sitting directly within view out my bedroom and living room window. We talked to the land owner and created a plan to start saving. In December we applied for a bank loan to purchase the property but a week later we received a call from the loan manager who told us that we had been denied. Our bankruptcy and foreclosure date disqualified us from meeting the bank’s requirements by only one month. We waited 6 weeks, held our breath, and we applied again.
Those six weeks crept by at a snail’s pace but we kept in contact with the seller and saved money like crazy. Many weeks that rob could have spent with us at home were used up as he put in extra hours at work. When the day finally arrived to reapply, Rob sent in the paperwork and then we waited… again. Four days later we got a call from the bank telling us that our loan had officially been approved. The two weeks after that moment were a blur of filling out and faxing information over to our lawyer as we inched our way towards receiving a closing date. In the meantime, we went through one crisis after the next from December to March.
My nerves were raw, stress levels high, and my hopes needed to come back down to earth before I hurt myself. Still, I looked around at all we had built together over the whirlwind of this adventure and I was overflowing with wonderment and gratitude. We had been gifted the ability to more than double the size of the lot that we already had without having to move anywhere to do it. This is the moment that we had been blessed with. That crazy dream that we held in our hearts until we took one leap of faith after the next is what brought us to the point of owning 11.20 stunning acres.
I created this blog and website with the hope that our farm might grow and that we might be able to rebrand it. I decided to keep the website and the dream even after our first refusal from the bank. Sometimes that leap of faith turns out better than those carefully choreographed plans that we make. Sometimes doing what feels safe is actually the very thing that’s holding you back from living the life you’ve always wanted. No matter how things worked themselves out, I knew that we were exactly where we were meant to be.
Today we signed the closing documents with the bank and the seller of the property. Once again we find ourselves at the beginning of all the hard work that is to follow. It’s a beautiful place to be. Our goal of having a greenhouse, turning Harlow’s current pasture into rows of cut flowers and garden beds while eventually obtaining cows… is now a reachable one! Happy birthday to Everpine Forest and Farm.