Moving forward part 2

It's been about 2 days since I wrote that last blog about Daniel and I trying to buy a house. This has been the most stressful 2 days in my life.

I used to work prior to this with a CU in town with doing 2nd mortgages . I am fairly familiar with the process.

We currently have two lenders we are working with.

Lender A is trying for either an FHA loan or a USDA loan. They are different in that the FHA does 97% financing and the USDA does 100% financing. Both are eligible for 8k tax incentive.

Lender B is trying to do a FHA loan with Florida Assist. Florida Assist is a 2nd mortgage bond that is zero percent interest, non-amortizing second mortgage loans for 10k. Using Florida Assist makes us ineligible for the 8k tax incentive.


Both lenders are trying to talk over our heads and telling us to take different class(both costing money).Lender A's class is for the SHIP program with is the State of Florida down payment assistants that is given out at the local level. They are currently out of money for this year. Lender B's class is for the Florida Assist program.


Here are what I'm confused about:

Closing cost. I know that we can negotiate to have the seller pay for the closing cost. We may not have any room for negotiation the 4 townhouses we are looking at are short sales. But in this market we might be able to talk them into it. So we might not need money for closing at all.


I know that this process is long and not easy but it just seems like it's a lot harder than it should be.

So *sigh* just got to keep swimming....

Moving forward.....

So Daniel are trying to be adults and buy our first home. We found a perfect townhouse in a perfect location. We went about everything correctly. Got a copy of our credit. Went and found a lender who was willing to work with us. We actually have two lenders working to get us into the house. Daniel makes enough with his salary alone and we have little debt. The place is a great value and even the lender says it's a good deal.

Now we are on to getting a realtor. Everything is positive.

Then there is the negative. The costing cost. As of Nov 2008, Former President Bush signed into law to make it illegal for the seller to help with the closing cost. Also gone are down payment assistance that used to be able to help with closing and down payments. So Daniel and I are are perfect borrowers. No debt, good income and good credit. Perfect townhouse. Perfect location. But we might not be able to get our house......all because of $2700.70 that is needed at closing.

It's so hard to be so close.

Since we just got married we both spent our savings on our wedding because we paid for it all (the wedding) in cash.

So I'm asking my few readers out there to pray for us and if your not religious send good thoughts and vibes towards us.

What was the last nicest thing you did for someone...

So here I was just sitting here at my desk hitting random to see the thoughts of random bloggers out in cyberland when I landed on this one.....

It got me thinking. Do I live up to my convictions as a Christian? Do I live my life as a Christian? How many of us have that thought?

So it got me thinking what have Daniel and I have done that was nice this month?

1) Bought Crystal's mom a coconut cake from RAM.
2) Crystal volunteered 2 hours for the city of Jacksonville with the Jazz Festival.
3) Watched a child for a friend so they could go on a date night.
4) Watched a nephew so parents could go out of town sans kid.
5) Let a friend borrow a light for a impromptu swing night

As I was sitting here trying to think of things that we've done for others, Daniel and I had a hard time. Are we doing enough? Are we being nice enough?

This is my question to you, my reader, What is the nicest thing you've done for someone this month?

Riverside Arts Market from Michael Walter on Vimeo.

I really just adore this video and I just adore RAM.

Happyness

Right now I'm really feeling happy with my life. As I look back over the last 6 months my life has changed and has gotten so much better. I've gained another family and another set of parents that love me as much as my own. My relationship with my parents has grown stronger. I've cut ties with people that weren't people that I thought they were while making the ties with others better. I've grown in my personal faith with God.

I know that I'm not perfect but as of right now this is the best it's gonna be.....until babies.....