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.
funny. I had to work Monday morning at 4am and we stayed up playing that game till 10pm, so Matthew and I are dragging this week, but it was so worth it. So, that was our Easter Sunday. Hope everyone else had a great Easter as well.
