Today's date was hovering over me like a rain cloud. I could barely sleep last night, wondering what today would portend. Today was the day we would get "the call." The call that would change our lives. The call that would tell us whether we got approved for a new house or not.
10 a.m. No phone call. 11 a.m. I called and left a message. 12:37pm, she called. I answered the phone with a hitch in my breath and fevered prayer to God. She sounded happy when she said Hello. Good sign. Then I heard the magical words "You're approved!"
But there was a catch. We weren't approved for a brand new home, the one we'd painstakingly chosen flooring and wallcovering for. We'd been approved for a repo. Neither Bruce nor myself realized there was another option besides approval or denial. The repos are all in great shape, like brand new, and we can even use our first-time home buyer's credit as a downpayment.
So now all we have to do is get the property tax info from my mom, to determine the value of the land, and we're set. We may not even NEED a downpayment, but I'd like to use the tax credit to do one anyway to lower the cost of the monthly payments.
I'm definitely in a manic, but cautious manic, phase, if you can call it that. By the end of the year, we'll be in our own home! I'm absolutely THRILLED! I give all the glory to God for His mercy and grace in allowing us a break, a chance to better ourselves finally!
Updates as we go, and pictures to follow when we finally select our new home!
10 a.m. No phone call. 11 a.m. I called and left a message. 12:37pm, she called. I answered the phone with a hitch in my breath and fevered prayer to God. She sounded happy when she said Hello. Good sign. Then I heard the magical words "You're approved!"
But there was a catch. We weren't approved for a brand new home, the one we'd painstakingly chosen flooring and wallcovering for. We'd been approved for a repo. Neither Bruce nor myself realized there was another option besides approval or denial. The repos are all in great shape, like brand new, and we can even use our first-time home buyer's credit as a downpayment.
So now all we have to do is get the property tax info from my mom, to determine the value of the land, and we're set. We may not even NEED a downpayment, but I'd like to use the tax credit to do one anyway to lower the cost of the monthly payments.
I'm definitely in a manic, but cautious manic, phase, if you can call it that. By the end of the year, we'll be in our own home! I'm absolutely THRILLED! I give all the glory to God for His mercy and grace in allowing us a break, a chance to better ourselves finally!
Updates as we go, and pictures to follow when we finally select our new home!
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