Cleaning....

Now that we have the house and the loan Daniel and I are are going through the house room by room and throwing away things that we don't need. Just trying to lighten the load for the move. We have in our contract to be closed by 30 days. The seller wants everything done ASAP so it could be sooner. That seems crazy. We could be in our first place in less then a month. I'm excited and happy. It's also gonna be sad. I'm gonna miss this apartment. It is the first place I've ever lived in outside of my parents house. I'm gonna miss the first house I lived in as a married woman.

Home buying update 7/09 part 2

We just heard back from Lender 1 that the loan was approved. Now we just have the appraisal and then USDA needs to sign off on the loan and then we set up a closing date.

After this week and all the stuff we've had to do to get into the house I'm just speechless. As Daniel told me I sat there asking him if he was joking. I sat here and thought this is a funny joke and I'm not happy.

Daniel said no he wasn't joking.

We are almost one step closer to getting our home.

Daniel asked me knowing what I know now would I do this again, I told him I'll let him know when we have the keys.

Home buying update 7/09

So we are still in a holding pattern with Lender 1. I called over there and she was trying to tell me that they are fighting for us. That it's not them it's the USDA. That everything thing looks good on their end and they need to just make sure that USDA wont refused it.

That got me thinking......Lender 1 wants to blame the USDA. So what did I do....I called the USDA. I called the local Rural Development office and spoke with someone. He said that THEIR guidelines say 2 years after bankruptcy if your score is below 620. Since Daniel's credit is higher he said that the date of the bankruptcy is "irrelevant." And he asked me who I was working with, I told him and he said "Can I be honest with you, I'd get another lender."

HA.

Why do people do this? This has been the worst week of my life and for what? A lender who is dragging this out for no reason. A part of me want to get another lender and say ha. You lost out on a great couple, a couple who would sell everything they own to make sure they could pay their bills.

You could have helped us but you didn't.

Me...unplugged.....

It's 1:20am, my head is throbbing and I'm trying to keep myself from being sick. Daniel is across the apartment sleeping. Not wanting to wake him with my tossing and turning I came in here. My mind refuses to sleep. Every time I close my eyes I see the video Daniel took of "our house". I see myself, along with my parents looking out the back window to the lake as Daniel pans around the kitchen. In the days after wining the house I'd watched that video thinking of where to put our coffee pot.

That seems so long ago. I was so happy then. I had images of Christmas parties, of walk babies and waving at neighbors in my mind. Now those images wont leave me alone.

Last update had us being happy of the prospect at another lender giving us a chance with another loan. That changed about 6 hours ago. See Daniel signed up for a credit monitoring program so we could be sure no fraud could happen to him while we were trying for the mortgage. We he got an email saying his credit rating had changed. We logged on and there was some bill that we had disputed a month ago showing up again. We called them and found out it was for a bill for movies that Daniel never order, that were never shipped to him and he never received. We were helpless but to pay it. It will be listed as paid by Friday but it may take 30 days to report. With that one little thing it lowered his credit that we are now worried will make him unable to apply for the new loan.

We can't win for losing. These last few days have been so hard on us. I want to keep my spirits up but I just can't anymore. I haven't been able to sleep really well. I know Daniel hasn't either.

I just don't know what else we can do. We just need a chance. We just need one break.

Home buying update 7/08 part 2

Here's the update as of right now. Daniel called over to Florida Unemployment to see if they had any records from him filing for unemployment. After being on hold for 30 mins he got through. Unfortunately they didn't. The guy helping him was shocked to find out why he needed that, he'd never heard of that from any bank before.

So we contacted our processor who said she'd get with our underwriter to see if they could move on without it.

Meanwhile we contacted our buyer agent and told her what was going on. She in turn contacted her lenders on our behalf and we found one that is promising. Lender 2 feels pretty confident that she can get us into a mortgage.

We waited until the end of today to see what lender 1 said. As of right now they don't know. So in the morning Daniel is going to call Lender 2 and get the ball rolling on the mortgage ap with them.

Daniel feels good about everything. He thinks it's going to go through and everything will be fine. Since I've gotten my hopes up before so many times only to have them dashed, I don't care what anyone says to us until I get the email saying the mortgage was approved and we have a closing date.