New House

So, we have everything moved into our new house. We turned in our apartment keys on Saturday. I love our new home tons although it seems gigantic to me. I guess that is to be expected when you move from a one bedroom apartment to a 1,900 square foot house.

We spent all of Saturday moving, so we just relaxed and had a lazy Sunday yesterday. Our neighborhood is really peaceful and quiet. There are no neighbors across the street either. Just a field with some horses grazing. I love our little country home. LOL!

I don't know anyone out here with the exception of my in-laws though. I still come to Salt Lake everyday to go to work, but I'm afraid I'm going to get lonely. I joined a couple of groups on CafeMom.com to find some other mommies-to-be in the area so that I can find someone to talk to out here. That's really the only concern I have. I really like it in Tooele so far.

I'm A Homeowner!

I just thought I would let all of you know that I am officially a homeowner now! YAY!!! The closing went really well yesterday. There were no problems at all and we got the keys to our house today. We will be moving in on Saturday. I am so happy I can hardly stand it! No more one bedroom apartment...Woo hoo! =)

We're closing on our house on Monday!

We are finally closing on our house! YAY!!! Finally! It seems like we have been going through this process forever. We close at 8:30 Monday morning. It's going to take about two hours to sign all of the papers so I may end up with carpal tunnel, but I will officially be a homeowner. =)

I can't wait! It's going to be so nice moving from a one bedroom apartment to a three bedroom, two bathroom, 1,900 square foot house. It's going to be so great for our family. Chili will have a big, fenced yard to run and play in, we'll be able to make a cute nursery for the baby right across the hall from the master bedroom, Robbie gets a garage to work on his car, and I get a bigger kitchen! LOL!

It probably seems like I'm rambling or bragging, but I really am just so happy that this is almost over and that we really are buying a home. I am so excited!!!

I Heart Debra!

Oh, my God! I am so grateful. My mom's ex-girlfriend, Debra, is so incredibly generous and wonderful. She is going to lend us the money we need for our down payment for our house and we are just going to pay her back in full when we get our tax returns. Since Obama signed that stimulus we are going to get an $8,000 tax credit for first time home buyers and we don't have to pay it back to the government.

Did I mention how grateful I am? I feel like a huge weight has been lifted from my shoulders. We are going to be able to buy our house after all. Everything is going to be okay. It is actually going to be better this way. Our interest rate is going to be 5.25% and our monthly payment is only going to be $1,019 including our homeowners insurance. It was going to be $1,125 before.

I was so worried, but Robbie knew we would get the money somehow and that everything would work out. I've been having panic attacks for the last two days, but Robbie has kept me calm and helped me through. I'm so glad that this is going to happen for us. We're going to have a beautiful baby this summer and we're going to be able to raise it in a beautiful house in a really safe neighborhood. I am so blessed.

Furious

So...I am fucking furious, but mostly scared. We got a call from our lender today. They told us that we make too much money to qualify for Utah Housing. Are you fucking kidding me!? Couldn't they have told us that, oh I don't know, when we applied for the loan? They could have, but they chose to tell us after we paid for the inspection and appraisal. Bastards.

Apparently the income limits vary from county to county. We were originally going to buy a house in Salt Lake County, but the one that we decided to buy is in Tooele County. We made the offer a month ago. That means that they have had the address in their file for a month. Why didn't they say something when we made the offer!?

Luckily our realtor is awesome and has made some calls. We talked to our loan officer after our realtor spoke with her. Apparently we only make $1,500 more a year than their income limit for Utah Housing between the two of us. That is such a small amount. Our loan officer is going to try to pull some strings to get the loan pushed through for us.

If the loan doesn't push through, we can still get the house, but we'll have to come up with $5,700 for a down payment by next week. Everything is up in the air right now and I am so stressed. Please send me and Robbie good vibes and wishes so that we can buy our dream house. Thanks to you all!

We Got a House...Finally!

Guess what? We made an offer on a house two days ago and it just got accepted. YAY!!! We got it for $152K, the sellers are going to pay our closing costs, and we're going to lock in our interest rate at 5.7% on Monday! I am so happy!

It is the cutest little house. Well, it's not that little. It's 1,894 square feet! It has three bedrooms, two bathrooms, a cute kitchen, a huge, fenced backyard, and a covered patio in the back. The only drawback is that it is in Tooele.

Hold on before you start panicking. LOL! The only houses we could afford in Salt Lake County were in Kearns, West Valley, and Taylorsville. Considering some of the recent events that have happened in those areas, I don't necessarily want to raise my baby there. Tooele is safer and we'll be closer to Robbie's parents so they will be able to watch the baby while we're at work. The commute is going to suck, but Robbie and I are going to carpool so I don't mind.

I'm so excited! I'm going to be a homeowner and a mom. What more could I ask for?

Fuck This!

You know, I'm sick and tired of our offers getting rejected. People keep coming in and making better ones at the worst possible time. Robbie and I made another offer last night on this adorable house that I fell in love with. I just found out 15 minutes ago that the seller of the house accepted an offer from somebody else. God dammit! Will this bullshit ever end? I'm beginning to think we'll never get a house. It's so discouraging when you get two rejected offers within a couple of weeks. I need 400 mg of Fukitol please.

We Didn't Get the House

So...We didn't get the house we made an offer on. The bank gave it to someone else that made an offer on that house first. I'm kinda bummed, but it's okay. We'll just keep looking. I'm not settling though. I know that the perfect house for us is out there somewhere and I intend to find it. Keep your eyes open and let me know if you see anything we might like. I'm forever hopeful. =)

We made an offer!

So...Robbie and I made an offer on a house today. The house is currently bank owned because the house was foreclosed on, so we have to wait for the bank to accept the offer. Our realtor told us that we should know by tomorrow if they accept, reject, or counter the offer. I'm so nervous. I really hope they accept.

The house is so cute! It's in Taylorsville, it's about 1,560 square feet, it has four bedrooms, two bathrooms, it's a tri-level, which I love, it has a huge yard, which will be great for Chili Pepper, it has a two car garage, it has bay windows, it's in a nice neighborhood. It's just perfect!

We're going to buy a house!!!

So...Robbie and I pre-qualified for $150,000 for a home loan. We qualified for the Utah Housing loan so we don't have to have a down payment either. We don't even have to pay closing costs! We are going to look at a bunch of properties with our realtor tomorrow and I am so happy!!! I can't believe we are actually going to buy a house! I know it might take awhile to find a house that we'll absolutely fall in love with, but looking for it is the best part. YAY!!! I am so excited!!!!!