Home Feature: The Newsom Family
Tour Farm Credit members Austin & Emilie Newsom's new home.
Austin and Emilie Newsom never planned to build their dream home. In June 2020, they moved into a house on the property adjoining Emilie’s parents and were a happy young couple starting their life together. On February 4, 2023, the unthinkable happened.
Sirens wailed and flames engulfed their home as the couple looked on helplessly. Emilie had left to do some shopping and Austin was helping a neighbor when Emilie received a call that changed her life forever.
“Around 11:30, I got a call from my dad saying my house is on fire and I rushed home,” Emilie remembers. As the fire trucks tried to extinguish the flames, it was clear that there wasn’t anything left to save.
They spent the next few weeks cleaning up and trying to decide what their next steps would be. They had some important factors to consider; most importantly, Emilie was 14 weeks pregnant with their first child, Hattie.
“The emotional toll was insane,” Emilie recounts. “We were pregnant and had nothing except a few clothing items Austin managed to throw out of the house. We felt 100 percent helpless
and hopeless in those moments.”
With the support and encouragement of their family and community, they knew that they had to keep their heads up and get to work for their daughter. “We knew we wanted to provide her with the best home to grow up in, so we just took our feelings of sadness from the loss and turned them into motivation to get back home,” Emilie said.
More motivated than ever, the couple got to work. In July 2023, the pad for their new home was ready. Emilie went into labor that same day. With a newborn in tow, they continued. While they utilized Sutherland’s in Fort Smith to get their home in-the-dry, Emilie and Austin took over from there.
Family, friends, and their community helped them complete the entire interior of their home without a contractor. Austin, Emilie, and Hattie officially moved in March of this year. Read on to see their finished home and their journey getting there.
When searching for financing for their home, the Newsoms met with several different lenders, but Joyce Ridenour, Fort Smith loan officer, helped them realize Farm Credit was a perfect fit. “We had heard good things already,” Emilie said. “We compared Farm Credit to a couple other places, but Joyce pretty much sold us on everything.”
Their favorite aspect of their Farm Credit loan is the ability to lock in their rate long term. With fluctuating interest rates, they valued the security of a fixed-rate mortgage. They also appreciated the opportunity for easy rate conversions without having to refinance if rates drop in the future.
When asked what advice they would pass on to other couples, Austin said, “Patience. Have patience with your partner because it’s by far the hardest thing we’ve ever had to do.” After persevering through the hardest season of their life, the Newsoms are happy at home in the dream house they never planned to build.
Interested in getting started on your dream home? Visit our website to find a lender near you.
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