Slooooow process....

I thought something was holding us up with the approval for the house.  We had been waiting on the inspection and the underwriter's final approval.  We finally got a green light from the inspection (yay!!), but we were waiting (and waiting, and waiting) to hear back from the underwriter.  Meanwhile, I am keeping calm and collected freaking out!!!  Every possible bad thought, I had.  I'm not gonna deny it, I'm paranoid.

The latest hurdle we have to jump, is that there are too many credit inquiries and unaccounted for deposits of money.  I am responsible for the "strange" deposits.  There's really nothing strange about them, they're just cash deposits, but they don't have any paper trails. I'm waitressing a few nights a week, and I deposit my tips once a week or so.  The credit checks are mostly from the banks that we had talked to about getting approved, except one.  We have to figure out where that one came from, write a formal letter of explanation addressing all of the activity, and then we will (fingers crossed) be all set.

My poor hubby gets so annoyed with me cause he has to explain everything that is happening.  Whenever he talks to anyone on the phone or in an email, he has to relay the message to me AND answer all of my questions (cause I always have a lot).  It's even worse when he has paperwork to go through.  He has to read it and then explain it to me, and of course there's more questions.  He's really been amazing though.  I wish I could be there too, it's like I'm not even getting the full experience of being a first time home buyer :(

That's a pretty cool thing.  It means we are one step closer to being home-owners.

Winning...duh

Yay!!!

They picked us!!!

We won the bidding war!!!

The seller accepted our offer.  We are officially in the proccess of buying a house.  That was the next step in the long proccess, but it's a step in the right direction.  Since the hubby's birthday is Friday, he is going to contact the bank on Monday to get the inspections going.  Hopefully, the house passes all of that.

There's still a long way to go.  I'm saving my celebration for when everything is final, but I can't help but be excited.  It feels really good to hopefully be together May 16th.

Good news, Bad news...

... and news that make the bad news not so bad.

I called the hubby to tell him a a funny story and he told me,"I have good news, bad news, and some news that makes the bad news not-so-bad."  What is that supposed to mean?

We made an offer on a house that we had found.  Here's the new-es:

Good news: The offer was recieved.

Bad news: There is another party interested.

Other news: This other party has been locked in negociations with the seller and can't find a price they can agree on.

Ok, so now what?  The deal is now that we both (us and the other party interested) make our best offer and the seller will pick one party to negotiate with.  We didn't change our offer, we left it as it was, and fingers crossed, prays being said, they pick us.

There's a lot of waiting in this game of buying a house.  I'm so nervous about having our offer accepted.  I shouldn't be though, it's still very possible that the house doesn't pass inspection, that's my biggest fear worry.  How disheartening that would be, to win the bidding war, only to lose because of the inspection. 

Time will tell how everythng works out.  I wish someone had told me how hard it is to be a FTHB (first time home buyer)  It's no fun.  I have to keep reminding myself that if it doesn't work out, it wasn't meant to be.  Sometimes, I wish God would be more direct in telling me what His plan is.