Not quite ready...

We received a phone call from our realitor. Unfortunately, they didnt accept our offer on the house. Not really a big deal though, it will give us a little more time to keep saving and have a bigger down to put on a house. Im still going to work overtime, but since we arent in such a hurry anymore, I am only going to work 5 days of 13-15 hour shifts. Im relieved about that because I was really dreading working one day of my weekend days. I really enjoy spending quality time with my husband and if I worked that many hours I fear that I will get really emotional and burnt out quick. So, this is a good thing. We will keep saving, and keep hunting, and who knows, maybe in a month or two we will be home owners. YAY!

Wish us luck...

Today we put in an offer, for the first time, on a house. Its a really cute house...1700 sq ft of living space, 3 bed room, 1 3/4 bath, my country style kitchen that looks almost identical to the one in the house on Boston we fell so in love with. Its awesome. Needs a little work to make it exactly what we want, but not as much as other houses we have seen. We don't have our hopes too high because we are aware that there are 3 people that have put in offers on this house and its only been on the market for a week. Basically its a first and final, bank owned house, so if they don't like our offer, there is no counter offer that will come back...either we have it or don't. I hope we get it, but at the same time we are still $2400 short and have 45-60 days to come up with it so, I don't know...we will see. Either way, everybody wish us luck. Whats really weird...the number is 608 and was built in 1986 (our apartment address number and the year I was born)...hmm could it be a sign???

Our Motivation...

This adorable puppy would have been ours if we could have pets in our apartment, but since we cant, he went to a friend of ours. He is boxer/pit mix, we would preffer a pure breed boxer, female, and fawn so its okay, but look how cute he is. We have been saving for a few months. We had to take out of our savings a little bit to pay bills after we made a trip up to Susanville, but since then we have put it all back. We bought new tires for the car, so all that we have left to do is keep shoving money into our savings account. We are about $4,000 shy of having the down for a house of approximately $150,000. We should have that in about 4 months. We have figured out that we are able to set aside about $1,000 per month. New home for a new puppy and baby (hopefully by then) here we come!

Still just a dream

We went to Remax and talked with a man named Dean about financing for a new house. He took down our information and said that on Monday, he would run our credit and let us know what we were pre-approved for. He then took us to Terry, a Realtor, and we talked houses with her. She is absolutely amazing. I know that it is a Realtors job to make people a satisfied customer because they are in for the money, but there is something about her personality that makes me trust her more than I would with any other Realtor.

Anyway, we looked at some homes online and wrote down the addresses for the ones we were most interested in. Sunday, we went with her to look at those homes. We were very interested in the one on Weiman. It needs a little work, but we could see ourselves owning it and fixing it up. Still not knowing what we were pre-approved for, we didn't want to get our hearts set just yet, and we figured, it doesn't hurt to keep looking around.

Monday, while I was at work, I got a call from Terry. She said that she found a house that had just gone on the market and she thought it was perfect for us. Fit our style and was amazing. She said that if we wanted to look at it when I got off work, we were more than welcome to. When I asked how much it was, she said that it is $167,500. That's $7,000 if not more than we were wanting to spend. However, we found out only a few hours later, that we were pre-approved for $170,000. SWEET! Then this house is affordable, we just have to come up with the down payment, which we were also approved for the FHA loan, meaning that the down was only going to be 3.5%. With closing costs this would amount to approximately $7,800. We checked out the house and absolutely fell in love with it. This house is perfect, amazing, wonderful...oh my god, we want this house so bad. So, we called our parents to discuss help options. They were going to see what they could do, but then we talked to Dean about getting our credit scores printed out so that we could shop around for a good deal with financers. He decided then to tell us that we aren't approved for $170,000 he was trying to get the loan officers to use only my credit score, but they wouldn't go for it because Matt and I are married and they take the lowest score of the couple...which is Matthews. So, he basically lied to us by telling us that that was what we were eligible for. What an ass hole. LOL. So, Matt had an appointment to talk to Guild Financer's, Bill Moew, and he got a lot of useful information from him. Basically, we need 6 months to get our credit scores up to where we want it. My credit is really decent, but we can always make it better, and Matthew's credit need improvement, but wont take a whole lot of effort. SO...now that we have ideas of what we need to do, we have a goal set in mind and will be working on saving money for a hefty down payment and better credit scores...in the mean time, the house of our dreams will have to stay just a dream, because chances are that it will sell between now and the next 6 months. Sadly, that's the reality of it, but it is kind of a steal in my mind. Its about 1700 sq. ft. living space, 3 bedrooms, 2 bath, 1 den, fireplace, built in pool, fire pit in the back yard, landscaping is wonderful, huge kitchen with all appliances, decent floors, and a beautiful floor plan. This house could probably be listed at $200,000 with the possibility of getting $180,000 out of it...they are selling it for under $170,000. But, if it is meant to be, then it will still be there when we are ready to buy. Here is to hoping. LOL. We have a place to live in, its affordable, and we have made it our home even if we don't get the opportunity of owning it. So, we are thankful for what we have, and the future will surely bring better and more promising opportunities. Who knows, maybe we aren't meant to buy a home in Ridgecrest, maybe we are meant to move to Washington or Oregon...hehe, time will tell.

Thinking & Waiting

So, I'm definitely digging the blogging thing. Its like having a diary that anyone can read...kinda defeats the purpose of a diary, haha, but its a lot of fun. I don't know if anyone even reads it or will read it, but I enjoy making it pretty and putting my thoughts down. I'm just bored at the moment, doing laundry. My husband is on his way to Bakersfield, so I'm just trying to keep busy.

As for the update on buying the house a few doors down from my mothers, not going to be able to buy that one. The owner's are not able to keep the house, they are already falling behind on the mortgage payments so they want to sell it out right...no options and they are putting it on the market with in the next week hoping to sell it immediately, they cant hold it for a few months and we wont have the money for a down for at least a few months. However, tomorrow we are going to go look at a few houses. We went to Remax yesterday and let me tell you what...they are amazing. They are so professional, helpful, and personable. We spoke with Terry, she found a few houses in our price range that are worth taking a look at. Basically, all we have to do is come up with the down payment and then we will be on our way. That should only take us about 3-4 months. However, we can start buying a house in about 2 months because then we can just put $1,000 towards it to hold it until it hits escrow. So, thank god we stopped by Remax, we would have never thought that we could purchase a house so soon. It would figure though, our neighbors that we don't care for so much is moving...maybe our complex will be quieter...then again, could be worse...either way we would really like to buy a house and have something we can call our own. We want to have the investment, not to mention be able to do as we please with it. We want to have a pet so bad, but unfortunately we cant have any in this town house. So, wish us luck everyone...I think things will work out just fine. The way we see it is if we don't get a house right away, better options will arise and we will find the house of our dreams and have an even larger amount set aside for the down. Id say that we are pretty smart individuals. ;)