About Me

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I am a 29 year old teacher of fourth grade. My husband and I began TTC in March of 2008. We conceived our first month, but unfortunately it only ended in an early miscarriage. 8 months later we finally conceived again, and she was our take-home baby! Norah Jane was born on July 16, 2009. 7lbs 0oz 19" long and amazing. We recently had our sweet baby boy, Miles! He was born on June 12, 2013 at 3:37pm, weighing in at 8lbs 4oz, 20 inches long, and PERFECT! We are loving every minute of parenthood (even the frustrating minutes!). This blog is an attempt to chronicle the baby steps, foot steps, leaps, bounds, and milestones of this journey.

Wednesday, April 25, 2012

Home Buying Frustrations

As i'm sure I have said before, we were well aware, going into the home buying process, that it would be difficult and stressful. What I was not aware of, however, was that the mortgage lenders could tell you whatever you wanted to hear to get you to give them your good faith deposit, and then they didn't have to deliver.

::Pause and collect myself::

On April 1st, we put in an offer on a house that we LOVE. We received a counter offer that was better than what we anticipated, and we gladly accepted. We ordered the inspection, and that went really well. The termite inspection was great, too. The appraisal came back ao $9,000 OVER asking price, so that was a welcomed instant equity.  All was good...

I sent in every document under the sun, and everything was going through quite flawlessly. In fact, it was going too easily. Bum, bum, buuuuuuuuuum! (<-- musical sound effects, right?)

Now let me back up once more. BEFORE we started the process of putting an offer in on this house, we were getting preapproved. I informed my lender that my husband would be starting a new job, but with the same company that he's been working part-time with for over 5 years. The new job is in the exact same field as his current full time job, and we had an offer letter and everything. So I asked the lender, "Are you sure that this is going to be ok? To not have his paystubs yet? To only have an offer letter with the start date and salary?" His response: "Oh, yeah. Just send us his current stubs and the offer letter. It will be fine."

Not fine. Not fine at all. We signed with them, and of course, just as I had suspected--not fine. The underwriters will NOT accept our offer letter. They won't even let us do just one paystub. He has to have 30 days of stubs or they won't sign off on the loan.

I am so frustrated--so very frustrated with the lender who promised me that it would be fine, that it would work with no problem, when he KNEW that it couldn't be done. He has now filed 4 exceptions with the underwriters, and they are not budging.

So, now we have to close on June 4th instead of May 4th...except that since June 4th is a Monday, and we won't get our stubs until the previous Wednesday, they won't have time to process it, so it may be even later.

I'm so, so frustrated.

I am hoping that in June, I will be sitting in my sunroom in my new house, sipping sweet tea, just glad that this is all over.

Wednesday, April 11, 2012

Home Buying

We are in the middle of buying our first home. We are currently under contract, and all of our documents are being reviewed by the underwriters... I am SO nervous.

We have never been in the position to buy, ad now that we are, I am so afraid to get attached, because I am so worried that something is going to go wrong... so I've been praying. A lot.

...but the house is so great-- so is. It's 3br 2ba, 2100sqft. It has a big kitchen, a gorgeous sunroom, and a huge hot tub and sauna. I love it, and I want so badly for it to be ours--we'll see.

We are set to close on May 4th, which would be a fantastic present for Daniel's May 3rd birthday. :)

The inspection went well--minor issues, but nothing too bad. We are having the appraisal done tomorrow, and because it is an FHA appraisal, it is making me super nervous. The sellers have already said that they'd fix any FHA necessary repairs, but I just worry that if it is something big, it will push back our closing... We won't know until next Tuesday, which is Jen the report comes back. I am SO nervous.

Ok, I'm going to breathe a bit-- this is all in God's hands. I have faith one way or another.

For now, here's the house: